<prompt> Human: I am a college student graduating in June. Ive saved up from working summer internships and have about 10k sitting in a wells fargo savings account collecting pennies. I am planning on traveling for two months next summer with this savings. In the meantime I want to put the money somewhere more useful then a savings account. What would you guys recommend? If I put it in say mutual funds or stocks, would there possibly be penalties for withdrawing it relatively soon? Assume my day to day expenses are taken care of. I have scholarships taking care of my tuition. I have no debt.  <response>: Check out the FAQ. This is short term, so savings account is about all you can do. If you want, switch to a savings account thats a bit higher and you can make maybe 70. 