<prompt> Human: Im 21, in college, and I make around 2000 a month. I eat really cheaply and I pay 400 in rent. I dont really have time to spend any of it on myself so I was curious what I could do with all of this extra money to help me in the future. Stock market, 401k, IRA. I hear all these thrown around but Im very curious what the great people of rpersonalfinance think. The only thing I know for sure is, when talking to a financial advisor, make sure they are a fiduciary. Thanks John Oliver.  <response>: Im 21, in college, and I make around 2000 a month. I eat really cheaply and I pay 400 in rent. I dont really have time to spend any of it on myself...Why dont you work fewer hours so that you do have time to spend money on yourself? Like someone else said, whatever you make now will be little compared to what youll make after graduating. Put some money in savings to allow for a smooth post-graduation transition into the real world, but dont be afraid to spend your money either e.g. travelling, buying higher-quality food, experiencing things with friends. 