Usually this is followed by a shame concede <| sep |> The fact that you think this is a GOOD spot is the problem with garbage Widows . And yes , I know this is going to be downvoted . <| sep |> First things first set up an Emergency F undfunddoyoureallyneedone . Then look to get something like EF 2 e 7 CYu % 2 F 4 % 2 Br 3 dIWLg 4 XpSvUcyGcbPAB % 2 FZtqO 5 r 5 kfeNbS 0 I % 2 FlIfCHsJZRZqVFkgh 7 c 3 f 5050 c 87 cd 7 dd 69 f 27 aae 7272 a 36787 b 41 eetel to get started . I think Acorns is great when you ' re starting as it automatically withdraws a set amount from your account at given interval and also does round ups . Once you ' ve managed to get about 5 k saved up apart from your emergency fund , start looking at ETFs or Index F u n d sstrategyetfsvsindexfunds . Best of Luck !