<prompt> Human: Hi PF,So I am 23 working with a 36,000 salary a year before taxes working for a startup so no benefits currently except I got equity which i consider worthless at this point. I am lucky and currently living with a friend for free his parents own a house and arent charging me rent or utilities. I have about 25k in savings, a healthy checking account and I currently have a ROTH which I plan on maxing out this year.I need advice on what do next? I feel like im in a prime situation that wont last much longer considering my expenses are basically nothing except car insurance and few other things. Thanks for your advice in advance.  <response>: The very first link in the FAQ: I have X, What should I do with it? 