<prompt> Human: Im 19, starting my 3rd year of college, live on my own in the city and already have an inexpensive car. I have a couple jobs that give me enough money for rent and bills, leaving me with some left over at the end of each month. I always hear people say that they wish they started investing in their 20s. I want to put this money to good use, but most people my age dont have very specific advice for me. Should I even be worrying about investing right now? If so, what avenue do you recommend? Im very new to this.  <response>: Focus on getting yourself a place after school.Do you know where you want to live? Do you have savings for furniture? Look up how much rent would be. Generally to be safe you want 3 months rent saved towards a deposit to secure a place. Then anywhere from 2 - 3k to get some basic furniture from somewhere like IKEA.After that is covered, your next focus is saving 3 months of expenses for an emergency fund.Then you can worry about investments towards retirement or whatever else. 