For a long time I have been incredibly irresponsible with my money, and I would like to begin saving and make as much money as I can passively, and aggressively if possible, with the help of Fidelity.
Anyways during my research, I came across T Bills and Index Funds, and while I know their methods and usage are different, would it be beneficial if I invested in both these things ? Or would it just be inefficiently spreading my money ?
Another thing, I would also like to invest into a Roth IRA. I am 23 if that helps.