<prompt> Human: Just set up my Mint account and was surprised by my net worth. 90k in checkingsavings 15k in ROTH IRA cash 15k in employers IRA cash no matching just a set making 35kyear rent 700month car insurance 500year no debt Im 27 the only sizable gift was a car for graduating high school currently valued at 2.5k still driving it.School tuition was paid for by my fathers employer 4years at a 2y school Books and another year out of pocket.Until recently I have had an unfounded fear of investing. Considered buying a house but I want to move possibly out of the US.Any advice welcome.  <response>: You managed to save 90k on a 35kyear salary and you want advice? You should be the one giving out advice.The only problem with your current finances is that youve parked a considerable amount of money under a digital mattress. Take most of that minus an emergency fund and put it into an index fund, broad market ETF, etc. and let it work for you. Hell, I started investing at the end of last year and managed a 7 return just letting my money sit in DES commission free ETF w dividends. If you put like 80k in and got the same return you just gave yourself a 5600 raise.Dont buy a home simply because you dont know what to do with your money and dont be afraid of investing. Day trading is what you should be afraid of because you really have to know what youre doing to be successful. 