<prompt> Human: Hello, I am a 20 year old college studentworking part time. I went out of state for my first year and while it was a good time, I didnt feel I was using my money wisely. When I was born my Great Grandfather bought a bond that matured to 100,000 when I turned 19. After my first year I have around 77,000 left. I now live at home rent freeand go to my local Community college less than 1000 a semester, and work about 13-15 hours a week at 14hrabout 700 a month after taxes; most of this money goes into my savings. I learned yesterday that both of my fantastic bosses will be leaving soon. I have saved up about 6700 in my savings account over the years. Of my 77,000 I have about 10,000 invested in a short term bond other than that the rest is just setting there making me minimal interest. Realistically I hate college but know I have to get a degree in order to keep a lot of doors open. I had a 3.6 GPA in high school and a 3.1 GPA so far in college pursing a degree in business. Thoughts on what I should be doing with my money and life? What about a retirement fund, where is a good place to start with that? Thanks PF. Edit: thanks for all the advice, I truly appreciate it!  <response>: I hated college as well. Its worth it to get a degree though. Dont quit 