First step is probably to avoid 401k rip-offs. You can find details about different providers including Fidelity here: https://www.employeefiduciary.com/sample-

First step is probably to avoid 401k rip-offs. You can find details about different providers including Fidelity here: https://www.employeefiduciary.com/sample-fee-comparisons/ https://www.employeefiduciary.com/sample-fee-comparisons/ You might possibly be able to switch your investments from a Fidelity fund with huge fees to something with normal fees. For your savings, M1 Finance offers 1% interest, which is better than nothing. IMHO it is a difficult time to start investing your non-retirement money because that the market has gone up a lot recently and bonds are at all times low. I wouldn't feel bad about staying out of things right now until you can learn a lot more. I would recommend reading everything written by Lyn Alden if you want to learn about all the macro forces effecting finance.