<prompt> Human: Money savvy people of reddit,I am 20 years old and a junior in engineering at a good university. I will hopefully graduate in a couple of years and be thrust into the real world. Thanks to some generous parents and academic scholarships, I have no student loans or debt in general in my name. I have also been working full time every other semester in my field and have managed to build up about 10k that I dont need to pay the bills month to month. Right now that money just sits in my checking account, collecting dust. How might I wisely use this chunk of cash to do something more productive? I hesitate to put it into anything too long term, due to the uncertainty of the next few years of employment for me, but I also feel like this is too much money to just let sit in a checking account. Im new to rpersonalfinance, I hope to find yall helpful. Suggestions?  <response>: If you read anything on this sub, youd realize this is a very normal question. So do some reading. 