You'll want it's children to be as low tax as you can as well. Invest in the areas the government wants you to invest in and it's typically tax free or low tax.

Here is the thing, if there is something you don't know and want to know, someone has probably wrote a book on it. The knowledge in a book is normally 10:1 from online content (in most books).

Spend some time digesting books on the topic of currency, economics and finance and you'll start to understand good places to invest.

I would recommend reading the richest man in Babylon.

5k is pretty nice every money extra money.

I would learn of ways to invest is in ways that have the best tax advantages on returns.

I bond, is at 6%. You can only do a max of 10k/yr. Which means you can get 20k in the next 2 weeks. There are rules to it, so look it up.