<prompt> Human: Hello Im a 16 year old thats trying to learn the basics of personal finance before I become an adult and would love to hear any commentary on the stacks v bonds thanks!  <response>: Stocks ownership interest in the company. If the company thrives, you do to, as the stock price goes upBonds Money that the company has borrowed from you, and agrees to pay back at a certain interest rate. Have a look at the wiki on investing 