<prompt> Human: Background Info: Im 19 in college. I dont have much in the way of recurring expenses and dont expect anything to come up anytime soon.I have 5K in savings restricted and 3.2K in work savings spending money set aside. I have been considering putting 4K or so into a CD so its not just sitting doing nothing. I expect to be in college for 2 more years living with my parents. Marcus Goldman Sachs increased their 1y CD interest rate to 2.05, which would be about 100 on 4K.Ive never done any investing so I have general apprehensions about starting a new skill with money involved.  <response>: In your position, Id rather take 1.5 on their savings account. 