<prompt> Human: Without going into too much detail, I was injured as a child and my parents were able to sue. 5k was put into a savings account and 25k was put into a mutual fund, which grew to 35k. The money was in my dads name until I turned 18 and the money was put in my name. When on the phone with fidelity during the transfer, I ended up putting the money in a Fidelity Go account, which basically means they take a 0.3537; annual fee and invest it for me into various stocks, mutual funds, and bonds depending on the settings I put. I was also told by family and friends to open up a Roth IRA and max it out. When I started doing minimal research on a Roth IRA, it does seem like a good idea, however I have no idea what to invest it into or how. What I was planning on doing was just setting up another Fidelity Go account for the Roth IRA.I should also mention I am 19 years old and live with my parents while I attend a cheap 2 year college that I can pay for no problem. In 1 year I will be transferring to a university that might be more difficult to pay for and I will also be living either in an apartment or in dorms that I will have to pay for.I basically just want some more opinions from people who know more than me about what I should be doing with this money and if I made the right choice by putting it in Fidelity Go.  <response>: Just an FYI. You need an earned income to contribute to a Roth IRA. Dividends and interest dont count. Youll find a billion answers on how to invest. You should be investing the money. Either in the financial markets or on your college education. Great job going with the transfer plan. 