Wacky, there will be snobby think-they're-smart folks that will tell you otherwise, but for a man in your situation I'd wholeheartedly recommend automated investing. Wealthfront and Betterment are two of the leaders in this area but there are plenty of others. All you gotta do is put in your investment goals (retirement, emergency fund, build wealth, etc.) and they'll put your money in relatively low-risk investments that should build over time right around 7% per year over the long term.
Also, outside of like $5-10k, you don't need much money in the bank. Spend with your credit card and just be responsible about making sure to pay it off on time. If you need to tap into bigger cash (like buying a car), you can withdraw it from your emergency fund (which should be invested and building $$$).
I have very smart person reasons for recommending all these things, btw.
