I have 25k saved right now. Currently it is split about 50/50 between a money market account and a high yield savings account but comments in another post said I should open a Roth IRA and brokerage account. How should I split the money to get the best year to year ROI whether through etfs and index funds or individual stocks that would be wise to buy now.
I also have 100 Troy ounce of silver that I bought at 22ish dollars an ounce and am unsure if I should buy more, or if I should buy gold as well.