<prompt> Human: I make about 200 a week in tips. I put 150 away and have 50 to spend on whatever I want through out the week. But the money I put in my savings is sitting there doing nothing. What should I do with it? Spend it on a wicked trip to Paris? A cruise? Buy a motorcycle? Should I buy stocks? CDs? An IRA? Use it to pay for college?? What do?  <response>: Generally speaking, a garden-variety savings account yielding 1 -is about as good as it gets. Trust me, you will appreciate the growing balance in your savings account. Anecdotal alert: back when I was in college late 60s I worked part-time as a gardener for wealthy widows in Los Altos. It was totally weird. One paid me 20hr just to watch Jeopardy with her. She was a bit freaky. 