<prompt> Human: Hi personal finance,I am a 21 year old college senior. I expect to graduate with minimal student debt thanks to working throughout school and I have about 4k thats available to me. My parents want me to invest in federal bonds but I have heard that at my age I can afford a riskier higher return investment. I am very unfamiliar with all this financial information so any advice is greatly appreciated! If theres any information I can provide to help let me know!  <response>: Youll be amazed how quickly that 4K vanishes when you graduate and have to pay to move to wherever your job is, drop a security deposit on a rental apartment, and furnish said apartment, and live in the couple of weeks to a month before you get your first paycheck. Youre still ahead of the game, but just keep it in savings. 