<prompt> Human: I recently got a check for 3,000 as a very generous gift and have no idea what to do with it. I am a 20 year old college student, I have not taken out student loans because my grandparents opened a savings account for me that was only to be used for school. However, it is running out and I will need to take out a loan in the near future. I have a job that covers my rent of 650 a month and leaves a little left over depending on how much I worked. My current savings usually wobbles around 1,500 but is slowly very slowly going up as I work more. I also have 500 in a ROTH IRA that was created automatically by a previous employer, although I have added to it. I have never had this much money and I dont want to just put it in my account and spend it. I know very little about investing or saving and want to make the most out of this gift. Any recommendations?  <response>: Put it in a savings account and do not touch it. It will be good to have in case of a emergency. 