<prompt> Human: Hi everyone, I am a college student who has 1000 in my savings account. Should I keep it as an emergency fund or invest it. I read that a good idea for a beginning investor is to invest it in low-fee index funds. I am only in the infancy of my personal finance journey so any advice would be greatly appreciated. Thanks!  <response>: Keep it in a savings account for emergencies. Youre far away from worrying about investing. Read the sidebar. 