<prompt> Human: A little confused on what to do with some money i have saved up. So Im a college student and i live with my grandmother for a petty 300 a month, i have a little over 10,000 saved up but its kind of holding me back. I see the 10,000 and feel secure even though i know thats not a lot of money, not sure if its because i live with my grandmother or what but my drive or incentive to save more is dwindling away. I was thinking about splitting the 10,000 into several savings accounts so i dont feel like i have it all at my disposal. Wanted some advice about where i should put it and how to maximize its growth. I was looking specifically at vanguard, barclays, and a roth IRA accounts. Would greatly appreciate some feedback on these accounts and what might be best for me, you guys have my thanks in advance.Background i make about 23k a year, college student and I live with my grandmother. I make about 1800 per month with my bills coming to around 1200. i try to save 400-500 a month Im 21 and hope to work for myself or at least have my money work for me in the future. id like to invest aggressively while i have the money and luxury of being able to. i have 10k cash and about 10k in assets honda civic si. I dont really have a long term goal other than live happy and comfortably, really just exploring college and finding what i want to do in life but also want to be smart about my money and my investments. My main thing is to not feel like my money isnt being used to its full potential while sitting in my wells fargo account.Edit Ive been informed that the IRA is a type of account where as barclays and vanguard are the business i would hold my account with. Which company is better or should i split it 5050 in both?  <response>: I was looking specifically at vanguard, barclays, and a roth IRA accounts.Vanguard is a company, Barclays is a company, and a Roth IRA is a type of account. Please read the information found in the FAQ particularly I Have X ... What Do I Do With It?! and the Long-Term Investing Start-Up Kit You may find Your 401k and You: Basic Information and Your IRA and You: Basic Information worth a read as well. 