<prompt> Human: Hello everyone! First time posting here and looking for some advice.I am a 23 year old college student who wants to start investing. My income isnt too stable at the moment because I am switching jobs, but I will be making about 16k-20k over the next year. Not fantastic but part time is what it is. Bills arent too big of an issue because I have roommates to split everything so most of my spending is on gas and food.I would like to start making some form of investment in myself. I was thinking about somehow investing at my credit union but I dont even know where to begin. Any advice would be welcomeThank you very much! I hope to be a success story on PF some day!  <response>: Start with a simple savings account. Compare rates online and at your local banks. I personally use Ally with a 1.15 return. Build this up to a healthy level. Its your cushion for unexpected expenses, but also a launchpad for future adult purchases like a home, car, etc. Once you graduate and have a higher, stable income, you can start contributing to retirement accounts. 