<prompt> Human: Well, I am a high school senior who will be attending college some what shortly and am extremely interested in personal finance and overall personal wealth development. However, I have about four hundred dollars already saved up and have almost no idea where to even start. I would really like for that money to facilitate and assist me in making more money. Any pointers or advice as to what to do to get started?  <response>: The best thing you can do with your money now is be frugal with it so you can avoid taking out any student loans in college. Dont worry so much about how you invest until you get a job and can start making regular periodic investments, and dont lock it up in anything like an IRA in case you need it at some point in college. 