<prompt> Human: Hello friends. Thank you for taking the time to read and respond to this. I appreciate every word and I wont read your advice and then go on to ignore it- You know much more than me, please impart your wisdom.I just got a great new job as a recruiter for the largest staffing firm in the country seems to really treat its employees well. Im making a base salary of 40k and commission on top. The average first year will make between 70k- 100k. Of course, the only thing absolutely guaranteed is the 40k base.I really want to invest the majority of my money. I dont really care in what, which is why Im here. Please guide me.Monthly income is 3k after taxes and before commission. Monthly rent, food and utilities will be 1300- 1500 on the high end. I have about 12,000 in debt Student debt, credit card, etc, and have 3,000 in the bank.In addition to investing, I am very interested in starting a new bank account, as Im still on a college account. Any input there would be very helpful. I also would like to start two savings accounts- one as a college fund for my siblings and the other for eventual wedding expenses. Any advice, experience, wisdom, anything at all, I really appreciate!  <response>: Im certainly no expert but why are you so intent on investing? You owe 12k in debt and only have 3k in the bank. I understand that you have some breathing room now but why not just open a savings account that earns interest and deposit an allotted amount per month?Another option for you would be to purchase a CD. Heres a link just explaining some basic concepts. Youll earn more from the CD but youll be subject to penaltiesfees if you withdrawal the money earlier than the specified time range.Id stay away from the stock market unless you want to get some low risk mutual funds. If I were you, Id start a savings then look into CDs.Congrats on the new job and good luck. Also, make sure to give yourself a few months of grace period before making any major financial decisions based on this new job just in case of something unpredictable occurring.Again, Im just a random guy with very little knowledge so take my advice with a grain of salt. 