<prompt> Human: So I just graduated college and had a birthday and my parents think a new macbook would be a fair reward for this achievement. However, I already own one that works but has some hardware issues. Instead of having them throw down a grand on something that doesnt need to be replaced, what is a better way to invest this money to start my post-collegiate life?  <response>: Assuming you have no debt, have a job, have an emergency fund, and have moving costs taken care of, start an IRA. 