<prompt> Human: Before I start, I am truly grateful for my situation. But I really dont want to fuck up. I also want to create the most as good a future I can, but Im not entirely sure how to go about it.---Im currently a college junior, majoring in financeminor accounting but hugely interested in buyingmerchandising in the fashion industry yes, Im aware it pays far less than going the typical finance route, but Im learning about it with an unpaid internship now and I love it. I go to a top 10 business school, 3.67 GPA, so better than average here but not a standout. Finance is interesting, but I think Id go crazy if I had to do it as a full time career; Im still not ruling it out persay, but competition is intense where Im from. I will definitely not go for management consulting, energy, or ibanking; Im not at all interested in those fields or I rank too low in GPA to have a chance anyway. ---Im still digging around for internships but am currently under consideration for several department stores for their internship programs. Competition is crazy, so I dont have high expectations. Im also talking to a Big 4 firm, but Im not sure Im a good enough fit. So I dont have a summer before senior year corporate internship secured like 60 of the kids do in my college, but Im applying around like crazy. I am scared about finding an internship. ---I worked in various jobs all my life to pay for my tuitiontextbook costs; the rest my parents were able to cover. I saved up every penny Ive made or been gifted since I was 6, and resoldreturned gifts for money too I was Scrooge as a child, I know. I most likely will not graduate with loans. So far my savings account is 40k, enough to live for one or two years if I cant find a job. If I can, Im not sure how to go about this money. ---Im an excellent saver; thats how my parents, who started poor, grew their wealth and it rubbed off, perhaps too effectively. But the reason I chose to major in finance is because I am a bad spender and want to learn. My mom is concerned by my bare-bones style of living. Im scared to go about investing, and I learn more about it from a corporate perspective than an individual one. Im learning investment fundamentals in my classes right now, but its still overwhelming.---Im also curious about retirement options... and emergency funds. I dont plan to buy my own property till Im like mid thirties or can afford it, and Im very adamant against kids because theyre expensive and I dislike babieskids pretty severely. So thats my situation...1. What are my best options with my savings? Keep it in the savings account at a crazy low interest rate? A long term bond? Invest in stocks? Retirement? Find a good portfolio manager? 2. Am I foolish to go for a career that pays much less but I think Ill enjoy more? My fellow finance peers roll their eyes at me saying Im going for a path below our level. But my education wasnt that expensive since I paid in-state public tuition... so my return on it doesnt have to be crazy high... 3. What is the best plan of action if I am rejected from all of my companies? Thanks for all your help.  <response>: you may want to check out rinvesting and see if you can get some advice there as well. 