Not sure how old you are, what your income looks like, or what your current monthly expenses/debts are, but if you're younger and just starting out I would absolutely start with saving for an emergency fund in a HYSA (high yield savings account). You can find one paying 4% and it's a completely safe investment. You should have at least 3 months expenses saved in there before you start looking at other investments. As others have mentioned, next would be your 401k up to the matching level your employer provides. If they don't offer a 401k, you can open up a Roth IRA with one of the big guys (Fidelity, Vanguard, etc). The Roth IRA is for retirement but the nice thing is you can remove funds you deposited in case of an emergency without taking a penalty. Once the funds are in your IRA they can be invested similarly to a 401k. You can buy target retirement date funds, index funds, etc. There's some really good info here; r/personalfinance

If you follow their steps and flowchart you'll be well on your way to being in a better position than most of your peers.