<prompt> Human: I dont know what I should be doing for the future. Do I start investing? I dont have any debts or student loans, and probably wont.  <response>: I would keep a decent amount in savings, because youll need money when youre in college even if you think you wont right now. Its always good to have an emergency fund. You can ask one of your parents to open up a Roth IRA with you and put 5500 of it in there for retirement though. 