A 27-year-old teacher has quietly built up $70,000 in savings, but every dollar is sitting in a standard savings account, earning little and going nowhere. Her boyfriend recently shared the situation on Reddit, explaining that despite having a father who works in finance, “she was never taught what to do.” He laid out a plan: keep about $20,000 as an emergency fund, max out a Roth IRA, invest a chunk in a brokerage account, and increase retirement contributions. On paper, it's a textbook strategy. The P ...