<prompt> Human: Hi rPersonalFinance - first time here. I checked out the links on the right, and did a little research, but want to know more information on what I should do.Right now, I live with my parents, so if I have any expenses right now its going out and gas money which isnt a lot, I live about 5 minutes from where I work. Im being taxed out of my mind being single without any dependents, so most of my paychecks are eaten up by fed and state taxes. I spend about 800 a month on going out, gas, amazon.My goal: Id like to investsave up money to buy a car 60k and have enough to put a pretty big down payment on a house in roughly 5 years.What Ive done so far: Im starting to save up enough money worth for about 5 months worth of paychecks. For me this is about 18k. My company has a 401k plan, and have invested up to the match point 5 of my paycheck. The plan is through Fidelity, and theyve put my fund into the Freedom K Fund 2055 made for those age 25 and below.What Im researching: I liked the sound of doing a CD or an Installment Savings Account CD but instead of lump sum, monthly payments, but I noticed the interest rates with the bank Im with arent worth it. I researched more and found that a Roth IRA and purchasing treasury bills may be the way to go, however, I dont know how to go about starting this, and who to go through.Im really trying to invest for the intermediate car down payment, and then a little bit for retirement 30 years from now. Should I go for the Roth IRA or treasury bills? Also, should i think about moving my 401k around in Fidelity and not just keep it to the fund they assigned me to? How can I lower the taxes on my income?Any suggestions would be greatly appreciated!  <response>: Welcome to the taxpayers club. Dear god you need some help. First 60K on a car is foolish. It is guaranteed to go DOWN in value. What I think you have to keep in mind is that you are not going to want to live with your parents forever. You can afford to blow 800 a month on amazon and the bars but its a really bad habit to get into. Get on a budget based on the goal you have for yourself. Have a plan for every single dollar you make. There is no reason for someone your age to look at CDs or treasury notes as an investment vehicle. You want Stock Mutual Funds. Investments are for the long term 5 years at least and take some risk. Save for the short term in a savings account. 