<prompt> Human: Hi, I made a throwaway account for this post. I just turned 21, and I am a college student from UC Davis in California. I am fortunate enough to say that Im at least in the 5 because I basically dont need to pay for anything - my parents help pay for tuition, rent, textbooks, and even make me food to cook whenever I visit home 2 hours away. Even my car 2010 Prius was free hand-me-down. Basically, Im VERY well taken care of by my family. What I DO pay for would include ... meals eating out, shopping clothes mostly, and occasional celebratory days recent anniversary, birthdays. I bring in around 1k-1.2k a month from my job part-time student, so I make just about 12-14k annually. Im sitting at 5k starting tomorrow once the paycheck comes in. I have 2 more years in college, and lets just say that living in a small college town prevents me from spending much. Im worried that once I leave college, I wont have a fantastic income once I start living on my own, but I would have a good chunk in my savings around 15k-20k hopefully with your help. What I want to know is what is the best way to take advantage of my money at my age?  <response>: your parents are in the top 5. youre a student who is far and away out of the top 5. 