<prompt> Human: Im 21, I have a Bachelors Degree, and upon graduation I received a job making about 35K. I have no loans, or any outstanding debt and still live with my parents. My expenses for gas, food, etc. only amount to a small portion of my pay. Its difficult to not purchase stupid stuff.My car is decent, so I do not have any need to purchase a vehicle and Im currently just working and planning to start my masters which the company Im with will pay for.My questions are how should I spend my money? Stocks? Bonds? Leave it in a savings? I do not have much experience, and Ive been very poor for most of my life. I just want some general guidance and possibly something that would be a wise place to put the money.Any input will be upvoted! So you got that going for you, which is nice.  <response>: Have you read the FAQ? It covers most of the basics. 