<prompt>  Human: Hi,Im a 32 yo guy in America looking for some financial advice. Huge thanks in advance for any advice provided. Long story short, Ive dealt with health issues, family burdens, and career difficulties but Im still grateful for what I have and where I am because I know someone out there has it several fold worse. Ive been reading several places online for financial advice but am still unsure what the most solid moves would be for me to make given my particular situation. I cant rely on anyone in my family to give me usable advice or rational direction. A little background:1Single and no kids for now2Have a few chronic health problems but manageable right now since im on medication..anticipating as I get older that complications will arise and Ill be paying high medical bills. No causation found so no lifestyle changes to make. I dont drinksmokedrugs.3Live with my parents, I take care of them..they have nothing to their name or any assets. 4Monthly billsrentexpenses are 1700-2000 monthly. These cant be reduced in any way.5Own my car outright..its a 2013 Toyota Camry and should last me several more years.6 Have a job that pays about 5300 monthly after taxes right now if I work all weekdays of the month, but its contract-based and will probably end by year end and will have to find another. Anticipating roughly the same amount next year when I find another job.7 I dont get paid overtime or for any days offholidays, no benefits of any kind medicalhealth, retirement, etc8 No health insurance currently, I pay cash for quarterly doctor visits. 9 No loansdebts thankfully...paid off10 Excellent credit 790 and always pay bills on time. School loans paid off. 10 No investments, retirement accounts or anything. This is what Id like some direction on.I have exactly 85k to my name right now. What Id like to do is invest some of the money I have and potentially lessen amount of taxes paid...last year I paid about 12k in income tax and got 0 refund back because I actually had to payback 3k for Obamacare coverage when I started to make more money. Ive read about contributing to a Roth IRA, but never did that so if thats a good move for me Id like to do that by year end. Im willing to invest money somewhere, but Ive just been cautious to do so until now because Ive worked really hard to save what I have and I know it is ultimately not a huge figure given inflation and unforseen circumstances that can cost thousands. Ive had a lot of financial burdens to take care of in the past 10-12 years that are now mostly past me. Just dont want to keep missing opportunities at my age and the fear of having nothing in old age keeps haunting me.I have no stocks, bonds, 401k, IRA or anything..feel like Im falling behind and when I have a significant otherspousefamily of my own one day, Id like to have something that I know is growing and have some added stabilitydiversity. Ive read about Vanguard, Fidelity, Schwab, etc..but not sure how much and where the best first investments would be. I have played with the idea of purchasing some stocks Ive been following for a while Tmobile, AMD, etc when they were in single digits..now look where they are, but didnt take the risk since I didnt have much to lose at my ageposition. Maybe I can dabble in that relatively soon, but for now its probably better to put my money elsewhere.Thank you once again for any inputsuggestions. 