<prompt> Human: Im in college but with my scholarships Im actually MAKING money by going to school. Ive recently been concerned with my financial future and want to put some of my extra money to good use. My expenses are minimal and covered. I have about 1,800 in personal savings and close to 1,000 saved from scholarships which will only grow month to month. Im looking to begin with around 500. Ive looked into Ally bank CDs to benefit from high compound interest rates. Ive also researched saving and investment apps like Acorns and Robinhood. Honestly though, investing in the market scares me without help from someone experienced. Id be much more comfortable putting my money in an account that will earn me money. Any advice is appreciated.  <response>: I recommend holding your money in cash for now. Spend the next 6 months reading up on personal finance and investing. Read for 20 minutes a day and then 10 minutes writing notes on what you just read. Youll learn a lot more and faster. 