<prompt> Human: Ok so Im 23, have a full time job making 42k a year. I live with my parents and Im a bit of a penny pincher. Its been 6 months and I have 23k saved and 1500 in my 401k 4 employee match 3. My money is sitting in savings. Is there anywhere I can put it where I can be guaranteed that it will make money? I want little to no risk. I am really new to having any money at all, what should I do?  <response>: Move out of your parents. 