<prompt> Human: I currently have about 10k in my savings after getting my tax return. I want to invest half of it somewhere. My job doesnt provide any investment benefits of any kind so whatever I do is on my own. I dont know much about personal finance besides the few guides Ive read on this subreddit.  <response>: Can we stop downvoting OPs who have honest questions after reading the wikis? If we all had the capability to perfectly understood what we read with no external help, then wed all be Einstein- level physicists. 