<prompt> Human: Im currently a 18 year old college student with around 5000 saved up in a low interest savings account. Currently, i am lucky enough to have my 4 years of undergrad paid for but if I decide to go to grad school I will most likely have to borrow for it. My question is what should I do with my current funds? I tried investing in stocks I picked and found that extremely stressful and not even worth the money I made, but I am willing to give it another shot if thats the best option. Or should I put it in an ETF, save it as an emergencydiscretionary fund, or even start a retirement account?  <response>: If it was me Id leave the money in the savings account for the future. Being as youre in college still and probably dont work full time you never know when you might need to use money from a savings account. 