Build up a savings account which you can use in case of unforseen expenses. This should be your emergency liquidity portfolio. You can invest it however you want, savings, money market, CDs, the point isn't to make incredible returns, the point is to have a safety net should you find yourself in rough shape.
Put extra money toward your car loan each month, pay it off faster and save on interest expenses.
The rest you can invest in a Roth IRA, never to early to start planning for retirement. Max our your annual contribution at $5000 a year. Should you need the money for emergency expenses (which you shouldn't need to do, your setting up the EMERGENCY Portfolio first!), you'll only pay penalties and not have to pay federal taxes. Up to $10,000 can be withdrawn from the account to pay for home purchases without penalty.
What you may want to consider is asking your Wells Fargo Reps about meeting with one of their Investment Counselors. They should offer you a consultation at no-fee and you're not obligated to buy anything, just tell them what your goals are and they'll be able to assist you in getting where you wanna go.