<prompt> Human: It took me awhile but I finally found an entry-level job in the field Im interested in, advertising. I make 34k a year, so Im in a pretty low tax bracket. I also owe my parents 22k over the next 5 years, 500 a month with 5 interest. Ive got about 5000 in an emergency fund and a decent used car Corolla. I spend frugally. My employer does not offer 401k matching. I spend about 1000 a month for everything including my student loan to my parents, potentially more if I move out of my parents. Where should I be investing the 800-900month I have left over? For reference, I live in MD, US.  <response>: Id max out a Roth 5500 this year before going to the 401k if I was in that tax bracket. 