<prompt> Human: This birthday I do not really want anything. I am content with what I have and I want to be wise with my luck and just ask for money as well as forget about it in order for it to grow into something I can use in the future. The problem is that I have no idea how to save or use my money to grow. Perhaps I should put it in a certain fund, or use it to invest? Give me advice that you would have wanted to know when you were 14!If this is the wrong place to post this, please let me know where I should be posting it and I will take it down ASAP.  <response>: First of all, Im impressed. Hats off to you for being such a responsible little fucker. :First priority is set it aside for college, if thats not taken care of in whole of by family. Scholarships are nice, but you cant count on them. If your family is willing to pay tuition, itll be nice to have some financial padding to avoid living on 3 packets of ramen a week. 529s are your friend here. Second priority is set aside money for a car. If you want one at 16, stick the cash in a low risk mutual fund and dig it out when youre ready to get your whip. If college funding isnt an issue and you have a car sorted out... just go have some fun, man. Sure, dumping a couple hundred bucks in a mutual fund will be worth 8k when youre 55... but by then 8k wont be a huge deal to you. Enjoy it now. Buy some bitchin new shoes or a sweet phone or whatever. Dont waste your youth trying to be too responsible. 