<prompt> Human: I make 55k a year. I have some debt: house debt owe 92k at 2.75 interest 15 year loan, 14 years left. Hopefully I can sell the house for around 150k. I have a Barclay card which I bought a mac book pro with and owe 1500 on it yet. Its 0 APR for 18 months and I have it setup for auto payments each month so that its paid off one month before the 18 months. Other than this I have a typical 500-600 CC bill each month that I pay off every month. I bring home 3100 a month. I put, I think, 7 towards my 401k each paycheck and my company matches that. Im not sure how much is in there but this only started a little over one year ago. I also have IPERS a govt retirement program in IA. In here I have about 33k and it has stayed there since I left my last job. Other than this I put nothing away into savings but I leave pretty much everything in my checking account. Each month I spend almost one paycheck on all my must bills mortgage, insurance, gas, electricity, internet of course a must!, cell phone. I am wanting to start putting some away or start investing it so that its not just sitting in my account. My account currently have around 3k in it and it seems as though it stays around that area all the time. If anybody could give me some finical advice and what I should do with my extra money that would be awesome! IE:How much should I spend on my wants every month? How much should I be investing each month? Should I be putting some in a Roth ira or should I start investing some myself with etrade or something? How much should I should I be putting into a Savings account for emergency situations and what should I use that money for? I am wanting to move to a bigger city soon should I be saving up for that in a separate account?EDIT: Also are there any smaller books anyone recommends? For Stock Market and just saving in general?EDIT 2: My Credit score is currently around 700. Is there anything that I can do to increase this number?  <response>: Please read the information found in the FAQ particularly I Have X ... What Do I Do With It?! and the Long-Term Investing Start-Up Kit You may find Your 401k and You: Basic Information and Your IRA and You: Basic Information worth a read as well. 