<prompt> Human: As the title says, Im 21 with about 40,000. My parents pay for my college and I have had a job off and on since I was 15, so I have saved the majority of the money I have made. I have had almost all of my money invested in the stock market since I was 17, but currently only half is in a Roth IRA. I only have a few thousand in the bank and I was wondering if I should move some of my money out of stocks into something more stable in case I need to use it as a down payment or something like that. What do you guys think I should do? Also I have one more year of school then I graduate with a 60,000 salary job with a 401k plan. Im just not really sure how much I should putting in the market for retirement and how much I should be keeping more readily available. Thank you in advance.Assistant: I think I need advice from you, not vice-versa.Also, dont take for granted that you will get a job paying a certain amount of money when you graduate, unless it is being guaranteed to you directly by your dad or something.Human: Lol thank you, I try to be smart with saving. I had an internship with a company this summer and they offered me the job after I graduate, so it is guaranteed unless I really mess up.Assistant: Youve got such a huge advantage on other people your age. Heres some non-standard advice: Take a long vacation to somewhere youve always wanted to go before you start work. Youve earned it, and the money spent will pale in comparison to the lifetime of memories.Just curious, what are you getting your degree in and what type of position have you been offered?Human: I do have the summer off before I start, so maybe I should take your advice. I am getting a degree in Economics and Accounting and I have been offered a position in public accounting.  <response>: Please do. I know it doesnt seem like it when youre young, but you would be surprised how quickly the years fly past. And good luck. 