<prompt> Human: Hey all, gonna provide some information. So Im on the verge of graduating college, and Ive been lucky enough to be able to graduate with no debt from college loans. I have no other major debt, and am really just wondering how I should use the money I have, rather than letting it sit in an account with .00001 interest. Heres a breakdown of what Ive got to work with:nbsp; 40k in checking 5k in a Roth IRA 5k in savingsnbsp;Im currently job-hunting, so I dont have a source of income, but I should have one lined up by mid-December to be ready for my graduation next June. Thank you all for the help!  <response>: First, you can move the money into a high interest savings account so youre earning 1 instead of .00001, then look into taxable accounts or just saving up for a housecar. 