<prompt> Human: Im 21 years old and Im currently attending a private university. I work 2 jobs that Ive had since high school. Im very good at saving my money and have paid for most of school up to this point. Ive also had a couple thousand in the bank at all times. So far, my main focus has been paying for school, but I really want to start investing.So my question is, should I continue paying off college, or should I start investing? Ive heard my brother talking about the possibility of more student loan forgiveness in the future, so if I start taking out loans instead of paying out of pocket, I could save some serious money.If I should start investing, what would you recommend? Should I start with stocks, mutual funds or an IRA?Ive also considered buying a house that needs work and fixing it up while I finish school, then sell it once Im doneThere are quite a few houses for sale in my area for under 30k, but this is unlikely  <response>: For the love of God, your brother is an idiot and you shouldnt listen to him. Its an awful idea to take out loans you dont need just because there might be student loan forgiveness in the future. Even if it did happen, which doesnt look likely at all, theres a good chance you wouldnt be eligible. The best thing you can do with your money now is to continue paying for school out of pocket. If you have extra, then you can invest. In that case, an IRA would be a good idea - stay out of the real estate market until you know what youre doing and have the time and extra money needed to deal with home ownership. 