<prompt> Human: I inherited 5000 from the death of a grandparent. A bittersweet chunk of change that I want to make the most of. To many, Im sure it does not seem like much but to a freshman in college it is a bit. 19yo Just wanted to know how to handle it properly? Interested in the possibility of low risk investing  <response>: forget trying to earn interest, there just isnt a worthy investment that will return you more than a couple hundred, even less if youre thinking low-risk like you mentioned. Invest in your future. Do you like computers or are tech savvy? Take some programming classes outside of your normal course load. You mentioned youre in college, presumably a college town. I always liked the idea of a food cart. There was a small hot dog cart just on the outskirts of my campus that sold them at 3.50 each, which I know from basic math was at least a 500 markup. They always had a line, and it was those damn costco polish dogs. Or just put it somewhere safe, earning 1 or 2 percent a year until youre ready to graduate and begin your career. I know 5k would have been helpful when I graduated and moved to a new city and started paying minimums on my loans. Maybe you have 6k after 4 years of modest 4.66 returns, half in 3-year t-bills, half in sp. 