<prompt> Human: I am a college freshman. I have a small part time job at a local toy store. Besides my college tuition, I dont know what else I should do with my money. Would it be too soon to save for retirement with an unsteady job? Is there anything in between that I should save for first? I live with my family, and dont have a car yet I live in the city, so a car isnt as important, since everything is at walking distance.  <response>: Do you have a savings? I wouldnt really recommend worrying about retirement or long term savings until you have atleast 4-5 grand. Once you have that much then you should look into what your next big purchase will be. If you want a house, Id recommend having 70k before purchasing so you can avoid PMI and have some left over to furnish the place. Cant really say how to invest that money as we dont know any time limits.Your young. Just get money somewhere and you will be ahead of the curve. Dont think about investing until you have an idea when you will want the money; as that plays a huge role. 