<prompt> Human: Im young. Just turned 19. I have no bills. College is paid for. My economics teacher always said in every lesson higher risk, higher rewardlet down I want to know both my low and high risk options. Possibly holding the majority 75 of those savings in a low risk option while playing around with the remaining money in something with higher risk. What are my short term and long term options? Which companies do you recommend?  <response>: From the sidebar --- I Have X ... What Do I Do With It?! 