<prompt> Human: I am 16 years old i recently made 370 dollars, i dont have a bank account but i want to start investing for my future what do i need to do preferably low riskAssistant: Put it in a savings account for college.Human: I am getting grants for college and will have to pay very little if not nothing i was thinking about investing in something that would increase my money but i dont know where to startAssistant: How can you know youre getting grants for college at 16? Did you graduate high school two years early?Human: Im in am early college program and i will get grants because i am semi intelligent and i will work hard, millions of grant dollars are wasted because no one applies for them and when i get my act and sat scores back i will be applying for them for at least 3 hours a day. Assistant: Put it in a savings account for college. You cant say youre going to have very little or no college costs yet.Human: With my early college program i will get my as degree by the time i graduate if i make an average of 100 dollars a day from grants it will take me one yearapproximately to pay off college tuition. I appreciate the help though but non-collegely what could i invest in?  <response>: Theres nothing you should be investing in with less than 400 to your name. You have the beginnings of an emergency fund. Use the money to help you get a job. 