If you like having your money liquid, I recommend a high yield savings account (HYSA). There are many great options like from SoFi, AMEX, and Capitol One. They give you around a 4.5% yield and are totally liquid. Also a great option for small business owners or 1099 contractors, who must sit on about 1/3 of all income for taxes. This money can work for you in the HYSA!✅
Roth IRA: these accounts can be created with any major financial company like Vanguard or Fidelity, and are untaxed gains when pulled out after retirement. Basically a cheat code!! I recommend just putting the funds inside into index funds like the S&P 500 or NASDAQ.✅
401k: if you have a 401k option through your employer, make sure to max out the % match, but after that, generally, you are better off in a Roth with personal funds.✅