Before you get into investing, I'd recommend getting into budgeting. One of the best ROI's available is not spending money in the first place :) Steps for bud

Before you get into investing, I'd recommend getting into budgeting. One of the best ROI's available is not spending money in the first place :) Steps for budgeting: 1) Find out where your money is going now (what's it cost for mortgage/rent, insurance, food, cell, etc...). Know your bare-bones cost. Then where you'd like to be. 2) Start actively managing your spending. https://www.youneedabudget.com/ https://www.youneedabudget.com/ is really the best tool out there. I banged my head against it for 3 weeks before I grokked it (esp. as a not-living-paycheck-to-paycheck person), but when I did it's been amazingly helpful. It makes big purchase decisions crystal clear. 3) Should you get life insurance? Disability? If you have kids, you definitely need >= x10 your income (permanent, term life insurance). 4) Figure out the extras. How much do you actually have available for investing. Saving for a house, car, etc... 5) Investment goals. Ideally hitting >=10% of income going to retirement/investments. Max out Roth, Max out 401k. Then look into other options. Bogleheads is best. https://www.bogleheads.org/wiki/Getting_started https://www.bogleheads.org/wiki/Getting_started