<prompt> Human: Im writing this on mobile so forgive the layout.Im 19 years old and still in college. I live with an aunt and uncle in the city, and am fortunate enough to have gotten a really good helpdesk technician position that is very flexible and pays me very well. I only have two major bills I have to pay, which are my car and car insurance. These are about 25 of my after tax take home pay. Since I live with my aunt and uncle they only make me pay about 200 rent, which is 14th of what Id pay if I got a one bed in Arizona. After next week when I get paid, I will have saved 10,000. What do I do with it? It is currently all sitting in my checking account, and Im not sure what my next move should be.  <response>: I think you should move most of it say 8,000 out of your checking account and into a high interest savings account with an online bank like Marcus, Ally, Barclays, etc. and call that your emergency fund.Thats probably enough for an emergency fund for now.For further savings, if you have an employer match to a 401k, max that and collect free money. If you dont, or, after that, open a Roth IRA with Schwab, Fidelity or Vanguard, and contribute 458mth to that the max allowed. For money beyond that, either add it to the savings account for goals less than 5 years out house down payment, next car, wedding, etc, or open a taxable brokerage account with the same broker you chose for your IRA and put it in there, invested in index funds for goals more than 5 years out. Good luck. 