<prompt> Human: The title pretty much says it all. I live at home, dont pay rent or for food, My parents rock. That situation is super stable. I know its not a significant amount of money to most but Im 21 years old trying to get back into and finish school and Im looking for advice on what to do with it if I want to use it in 1, 5, or 10 years? I imagine with 1 year I should just throw it in a savings bank but beyond that Im not too sure. I was thinking bonds or something of the like? Also should I set money aside from working this year to cover taxes on it, or is it below some threshold?Thanks in advance!  <response>: Savings. Im assuming you dont have much money other than that, having 4,000 liquid ready for small emergencies or Hell, even providing a stable supply of disposable income is pretty useful. Im not saying spend all your money, but I am saying in your position that if you have 4,000 dollars in your bank account splurging a little every now and then wont be the end of the world.I feel like Im going to get downvoted into oblivion for this. 