<prompt> Human: Im 21 years old. I recently finalized paperwork and got a grand total of 31,965. Its in a bank in another country. I withdrew 5,305 cash because I dont have a car and Im using this to lower my debts under 1,000 and want to buy a reasonably priced, headache-free car 14,900 2013 VW That leaves 26,660 in my bank and I have it on an investment plan that is putting in 831 every six months. I cannot touch it until those six months pass. If I dont touch it, itll just be reinvested. Im calculating roughly 3.1 is the interest rates. What are my options, suggestions? I was told to use it as a down payment to buy an apartment and rent it out to a corporation. Unsure but convincing. Please note: the amounts stated are in todays exchange rateThank you in advance  <response>: I was told to use it as a down payment to buy an apartment and rent it out to a corporation. Unsure but convincing.Unless you want all the costs and responsibilities that come with being a landlord taxes, insurance, upkeep, finding tenants, bookkeeping at the age of 21, this is not very attractive advice at all.If you did not have any other liquid emergency funds and now you have 26k earning 3, that makes a great security cushion and I would not put it at any further risk. Good news is, with that cushion in place in case of sudden job loss, major expenses, etc., the next extra 5k that comes in is for you to invest in equities, etc. in order to take some risk in pursuit of better returns. 