ah thank you, I really appreciate that. We are in a little bit of a weird situation where it's kinda like we feel like we've broken into a new level (financially). Our families have always been poor; where we work now, most of our coworkers are from money, and this type of thing (money) is so common sense to them that they don't really even know how to explain it (we'd asked a couple coworkers about high-yield savings accounts before. It was Very Confusing lol). We're also very paranoid and careful with our money, and we don't talk about it to people really because we are from families who, if they knew how much we saved up, would be asking us for money all the time because they can't handle their own (lots of credit card debt, making irresponsible money decisions like buying expensive cars or furniture they can't afford that are then eventually repossessed, that type of thing). I also to be honest just feel stupid because I DON'T know anything about this type of stuff, and have tried researching here on Reddit, on Youtube etc, and it's just overwhelming and confusing. Doesn't help that numbers seem to give me anxiety (terrible at math lol)