<prompt> Human: I graduate college in May and will be moving on to grad school. I have no student loan debt as I have had my tuition paid for via scholarships. My grad school tuition will be covered by my graduate assistant position and I dont pay rent due to my job. My savings account is under my name, but it is under my fathers accountif that makes sense. When I graduate I plan on starting my own bank account with a bank down by my university and putting the 10 grand I have saved in some sort of account. Problem is that I dont know how to go about this or what to look for. I know nothing about personal finance other than saving moneygood. Please help. Also excuse spelling and grammar..havent had my coffee yet.Assistant: Seeing as you are heading to grad school youre at a point in your life where its probably wise to keep most of those funds liquid.Put most of it in a bank account with at least 1 APY, a popular choice is Ally Bank some limitations due to being internet based. If you really needprefer a local real bank presence you should still look in signing up for a high interest bank like Ally and linking it to your local bank.Great that you wont have any student loan debt! Keep it that way! Know your limits, dont be tempted to carry balances on credit cards, pay them in full.Get a budgetingpersonal finance app like Mint or YNABGood luck!Human: Ive actually never had a credit card lol. What do you mean by keeping my funds liquid?  <response>: You dont invest them in anything stocks, index funds, etc. Just keep it in a normal savings account. 