<prompt> Human: NB: All money figures are in New Zealand Dollars NZD. I may say some stuff wrong because I dont know too much yet - hence why I am here!So recently my sister and I were made aware of savings account our grandparents have made for us in our names. They put 150 a month into the accounts and also put a large lump of it into a Term Deposit everytime it matures, to maximize the interest gained.Right now each of our savings accounts has 21,000 in it and we are both allowed to access our accounts whenever we want, but there is a catch. As soon as we touch the accounts, our grandparents will stop putting the 150month into the accounts.I dont need to worry about paying off a student debt and I have a car that I am able to use whenever I want for now. I work part-time until I start university in 2 months time and so I dont have much spending money after I pay for petrol or food if I am out. I live at home. I dont have HUGE expenses but I also have almost nothing in terms of spending money when I go out to town or out with mates which sucks. I also at some point will not have access to that car because Ill need to share with my sister when she gets her license.What should I do with this money and is there much of a benefit not touching it so I continue to get 150 a month into it? Im on a 4 p.a interest, taxed at 10.5 for the interest and having the 150month will mean I get more money exponentially but Im not sure how to figure the math behind just how much.How beneficial is it to not touch it and get the 150month?How badly affected will I be if I start using it?What could I potentially use the money for in a smart way?  <response>: Let it sit until you graduate. I was in sort of the same situation and I just spent it on shit I cant even remember now. Keep working and forget you have it. Get your first real job after college and still wait at least 6 more months before spending it. 