Offer your thoughts or opinion on the input financial query or topic using your financial background.

I have $12k in a Chase checking account, but want to start earning interest/saving/investing/etc to make more money. What should I do?
These are the basics in order: Max your employer contributions to your 401k if available Pay off any loans Contribute to an IRA  Perhaps max out your 401k Look into other investment options (refinance your mortgage, buy stocks) Those are the typical rules, special situations may need specials actions...