On banking, let me plug Ally for a minute here. I’ve been very happy with them since abandoning Wells Fargo a couple of years ago. Good app, no account fees and 2% interest on savings. If you’re going to park money in an account somewhere it’s a pretty good one for it.All of this investment and retirement talk is solid gold and you should listen to it. In addition, you should set up a savings account where you put 4-6 months worth of expenses into it. Then leave it alone. That is your emergency oh shit fund. Don’t tie this money up, it should be very liquid. If God forbid something happens where you can’t work and you lose your job, you should be able to live 100% off of that savings account.