<prompt> Human: Im currently a senior in college getting my BSBA in Information Systems and minoring in Computer Science. Throughout college I have worked the summers and have accumulated about 10,000. I wont have any debt at all once I graduate and plan to have a job right after college or pursue a masters degree. If I get my masters I believe I can get scholarships for that since my GPA is currently a 4.0 so I dont think I will have to pay much for it. I also have separate money saved just for college so that will cover it. I want to start investing so the money is not just sitting there. Im not a big spender by any means, people consider me to be cheap as dirt. lol  <response>: I going to say if you go to work force it looks like you have a good emergency fund to start with decent start up cash for your joy to being in the real world.I am going to put it this way. 10 grand is not that much money and you will be amazed at how quickly 10 grand is spent. It might be a few months expenses but still not enough to just invest it beyond emergency fund level. You need the emergency fund so start it that way.Grade school being paid for with a 4.0... That might help some but reality is if you want grand school paid for you better have some research under your belt and have a great relationship with your professors.My fiances had less than a 4.0 and got it heavliy paid for and there was a fight between the profs for her. The 4.0 student on the other had had to pay for all of it as no professor wanted him as all he did was study and could get good grades but did nothing beyond that. He got some scholarships but struggled beyond that. 