<prompt> Human: Im twenty yrs old and took a year off college to make money to spend on tuition. I was recently given a full ride and now am sitting on 25,000 that I wont need while still an undergrad. I might need it for graduate school but even then I might not. Im looking for a plan that will help me gain interest but I can take it out at a moments notice.  <response>: A savings account. Can take it out at a moments notice is NOT wont need for 2 years. 