<prompt> Human: New user here. Ive done my best to look at the FAQ and am not sure exactly what to do. To put my situation simply, Im a college student with little to worry about, and 10K saved from summer jobs that I want to invest in a meaningful way for my future. The X and what to do with it didnt seem relevant to me, as far as I could tell, since I have no debts and am very fortunate in that my parents are paying for school. How can I invest or save this money in a way that will provide reasonable returns?Thanks!  <response>: The X and what to do with it didnt seem relevant to meIt is entirely relevant. Leave out the steps that dont apply to you. You still need an emergency fund and, if you report earned income to the IRS, qualify for an IRA contribution. 