Funds Management Advice

Looking for some ideas as to what some of y'all would do if you were in my shoes.

25 year old single guy, 2.5 years out of college. Consulting for Oil and Gas design company, approximately $80K yearly salary. I mention my job because projects are starting to get slow. The company just made some cuts, but I think I'm safe unless oil prices stay like this for a lot longer. Taking the PE in the fall to increase my worth.

I put 14% of paycheck into 401K, company matches 3%. 401K is up to about $29,500 after 2.5 years. Not sure if this is good or bad...

Have about $12,600 in bank between normal checking and savings account.

I owe $11,800 on a car which is being paid over the next three years.

I also have about $1200 in an HSA account for emergency medical expenses.

I guess I should me more active in investing the money in my bank account since its not really earning anything. I've just always been nervous about investing on my own.I'm just looking for ideas/suggestions if you were in my position.