<prompt> Human: Im pretty lost with what my next step should be  <response>: howdy. So we need more info from you. Are you going to college? Are you in a trade? Have you taught yourself coding and are a programmer?The best investment is in yourself. IE... learn more to make yourself more valuable. if you learn something that makes you 5 an hour more in pay, thats an extra 10,000 a year in extra income.Youre not going to find those kinds of returns in any investment in the stock market.So, education is the best. After that, 3-6 months of bills set aside in an emergency fund. After that, low cost mutual funds such as Vanguard. Wash, rinse, repeat. 