<prompt> Human: As the title says I am 19 years old and recently have accrued 10,000 in my savings account. Currently I am attending community college for nursing and I am on track to graduate debt free. Between my 2 part-time jobs I make around 700 a month, and have few necessary expenses.My mother is a bookkeeper and recommended I start a money market account with my bank Provident. I like the idea of a nearly no risk investment but I would like to know what other options are on the table.Thanks  <response>: High yield savings any reputable bank should yield above 1 apy. Be sure to manage the account minimums so that youre not paying a fee if you need to dip into your savings.Posters saying you should focus on higher risk investments over time are correct assuming you arent ever going to use this money - but you will. Because youre 19. First Id set aside a base emergency savings net of 9-12 months of expenses in high yield savings. Try not to use it except in emergencies or big pre-planned life events.If youre living off 700mo - thats about 8.4k, so 10k is close enough. i might park a thousand in checking just to have some liquidity between bills. Sure you might miss out on a bit of interest but were talking about 10-15 yr. worth it for the peace of mind.When you start your full-time career, start contributing to your 401k - max out whatever you can afford and do select higher risk investments please get a balanced portfolio dont take on unnecessary risk, just maximize risk-return assuming 35-40yr investment horizon - any target date fund from vanguard or fidelity will accomplish this or read up on how to balance your portfolio. Those are all pre-tax dollars.A big mistake people make is assuming that because someone is younger, their financial investment horizon on post-tax dollars like your current 10k are longer. Not often the case, esp w houses and babies and weddings and other big life events and god forbid, bad stuff.You will need some of your assets to be somewhat liquid in the next 4-5 years, I can almost guarantee it. Butif you keep saving and doing great and that 10k turns to 30 or 40 or 50k and it becomes more than youll need in the next few years for various life expenses - at that point yes you should invest it into a brokerage or similar account and take a fairly aggressive risk-return profile same as your pre-tax dollars. One last piece of unsolicited advice: Planned debt is OK in certain circumstances. Not like, i wanted a much bigger tv or a bunch of fancy clothes, but like I need money to move to maximize my job prospects or borrow responsibly to continue my education and improve my life might be super valid. Esp if you have a very stable job and income forecast. PS get a couple credit cards, use them, and pay them off in full every month. Build that credit score.GJ saving dude! Keep it up. The good habits youre building today are worth way more than any interest you will earn on this amt of money. 