<prompt> Human: Okay so unlike most people looking for advice here, Im in a pretty alright situation. Im 4 months into my first full-time job making 52k a year. I have no debt and about 18k just sitting in my bank account at the moment. I save at least 700-1000 a month for savings and contribute 5 to my employer matched 401k.My question is should I just dump a good chunk of my savings into a Roth IRA or index funds? I feel like having that much money sit in a bank account with little interest is a huge waste of potential for someone my age with no debt 22. I was leaning towards index funds for the mean time because:Not entirely prepared for stock trading. Feel like I need to do a little more research before I jump into it.Would like to retire before 60. It seems that most IRA and 401k have penalties for withdrawing before 60. Id like access to my saving before then wo penalty Would love to hear some opinions on the matter. I feel as if everyday that money just sits in my account, Im wasting potential for an early retirement. edit- currently considering this Vangaurd:362,520.00Vanguard Total Stock Market ETF VTI241,680.00Vanguard Total International Stock ETF VXUS281,960.00Vanguard Total Bond Market ETF BND12840.00Vanguard Total International Bond ETF BNDX  <response>: In case you havent done so yet, head over to rfinancialindependence. All the advice youre looking for and more : 