<prompt> Human: Im finishing up my last semester of college so I dont have many expenses except gas, food, etc. I have 6k in savings, 1200 in an IRA, and zero debt. Still living at home. Should I just leave the money where it is for when I move out and start having more expenses? Or would something like a money market fund be better? I rolled over my 401k from my summer internship to a Vanguard Target Fund IRA. Should I convert that to a Roth? Ive heard on here its fine to have both a traditional and Roth.  <response>: Why are you nervous? Because you feel like you should have it invested? 6,000 is nothing in the grand scheme of life and forms a nice starter account for your adult life. Keep it around, youll find things you need. 