<prompt> Human: Hi PF Team,First of I would love to thank you all for the advice you have given to other redditors. ITS HELPED ME SO MUCH, and I am so glad there is a community that dives deep into these issues, because some of us like myself have been given 0 guidance from our parents well, maybe what NOT to do lol. So, here is my situation. Please feel free to be brutally honest and tell me if Im wrong. This is my money and I want do to whats best for myself. I am 23 years old. I graduated college with 42k debt In May 2016. Before reddit I focused on paying off all my debt, instead of investing not realizing how awesomely low of an interest rate I had on my loans. Ive now moved to focus on investing. I am down to about 36k currentlyIve met with 2 financial advisors gave them the same information or - a few details of course that I am now going to share with you: - I currently live with my parents. I need to move out in 5 years. Preferably a townhouse or condo so I get some sort of investment, but without the upkeep of a house Im a 23 year old female... lawn mowing is NOT my forte : so I need a down payment. - I make 48k a year - of that I can put away 200 a month currently, and will move to 500 a month with my raise at the end of May and some other loans ending that will free up some money - Also at my job I can plan on a 15k - 30k Christmas bonus per year - I currently invest in a Roth-IRA at Edward Jones where it buys A shares of 1 low risk, 1 middle risk, and 1 high risk mutual fund That is where my 200 - 500 is going monthly currently Here are the opinions I was given from the two financial planners.Planner A - Send monthly 200-500 a month to 1 middle risk mutual fund, where youre buying B shares, along with sending most of your bonus to that same mutual fund to save up for a down payment. Some of that bonus will also be sent to max out my Roth-IRA.Planner B - The market is too volatile for such a short term investment. We will send your monthly 200-500 payment to a savings account, and other than maxing out your Roth-IRA with your bonus we will send the rest into that same savings account. Obviously these are two VERY different opinions...to invest or to not invest... Im mostly afraid of bias as these people work for investment companies. Other things that might be important: My company does not match 401k contributions. They automatically put in 3 of my salary some profit sharing annually I live at home for free and am extremely happy to stay here for 5 years I will not live with other people... I went to boarding school since I was in 8th grade, and I am SO OVER roommates. So I will be taking on the financial burden on my own. My SO is also not expected to pay for anything when I move out as I want it to be all mine : Im happy to leave my current financial planner and have no one and do this on my own... but I will need lots of advice. So not sure thats the BEST scenario. I am obviously an open book and will share any information you need to form an opinion. I really respect and trust peoples opinions here, so please be brutal if you need to be. Cheers,ohedit: formatting... still new to this. : edit: Here is my monthly budget breakdown: Paycheck 3000Loans: 425Phone: 100Car Payment: 275Car Insurance: 150Gas: 150 driving to work 100 miles a dayFood: 300Investments: 200Health Insurance: 130Mental Health: 130Gym: 250 Yes, I know VERY high, but for the service I get I am willing to pay this body health never ever getting sick happinessVacation Savings: 150Extra Expenses EZ Pass, Pets rodents: 100Spending Money: 300Into Liquid Savings: 250Other Notes:Already have 3 month emergency fund.IRA Balance 3k  <response>: Stay FAR away from Edward Jones. 