<prompt> Human: Im 18 and I got 1300 for graduation, im going to be going to college in around 2 months and I do not like my money sitting in one place. Im wanting to loan my money out to some fellow friends. One of my friends buys and sells something for more online, he buys it from the website, within minutes the item is usually sold and he sells it back on ebaycraigslist etc. He has a bot so he buys x almost instantly. Im wanting to lend him my money but if stuff happens, I want my money back. How do i get my money back, do i need to consult a lawyer and get a paper for him to sign and acknowledge my expectations? Im turning to this instead of going to a roth ira because i feel like i dont have enough income and im unemployed currently.  <response>: Im wanting to loan my money out to some fellow friends. Bad idea. Keep your money in a savings account for college or vocational education expenses. The best investment you can make at your age is in your future earnings potential through education. 