<prompt> Human: I am currently a full-time student in my third year at a top 30 university. To provide more details about my current financial situation, I have almost 12,000 in a savings account created for me by my family and a checking account that I use for all my regular expenses. I also have a credit card with a 5,000 credit line which I use regularly but am not dependent on. I live on campus, and student loan debt will not be an issue for me in the foreseeable future. I currently have a large sum of money tied up in several mutual funds Vanguard which I plan to hold for now.  <response>: You dont have to drink, but please go have fun today. Just give yourself one day to not think about money and financial planning and enjoy yourself. Then read all the responses here tomorrow. Happy Birthday! 