<prompt> Human: Hello Reddit, I have been following this sub for a while now, and see that everyone here is really compassionate, and knowledgable. I thought it would be good ides to come see what insight you have. So let me startI am a 22 year-old, married male.I make roughly 36k annually, with a State job.I am currently paying off two cars, and renting a house. I have worked on establishing and maintaining a good credit score as well. 700I have no college education, but have a license that lets me do the work I do. My job right now has few advancements that Im aware of that dont require further education, but that is an option as well.What are some of the best financial moves that will help set me up for a smoother life, and how should I invest my money?EDIT: Some things to mention.My wife makes 10kyr, so thats 46kyr.  <response>: No sure why people are giving you so much greif. You are young and have plenty of time to make a career out of what you do. I would recommend taking any spare income and putting it towards the cars. Pay those off first, best investment you can make now. After that I would look at an IRA Roth IRA. Details are in the sidebar for this sub. Given that you probably dont benefit from the tax break for a traditional as much, Roth might be the way to go. Figure out what rights you have to your pension and how many years you need in to get it. As for the education, fact is many go to college and never use the degree. It just gets you the interview, without which you may not even be considered. But waiting til you know what you want to do is smart, as you can run up quite a bit of debt by not knowing. You could look at a general studies at a community college or certifications in fields that interest you, any of which will help you down the line. Good luck OP. 