<prompt> Human: I am a debt free 19 yo male who just received 10,000.00 from my aunt as a giftearly inheritance. The money is for me to accomplish my dreams. I am currently enrolled at a in state 4 year college after attending a community college and have two years left. After graduating I am planning on taking a year off and then going to med school. My parents are paying for my whole undergraduate degree so I have no school living expenses. I live off campus and have dining dollars and buy groceries. I am not currently employed but have 4,000.00 of my own money saved up and no credit card. I also own my car and bike I use to get to school. And I am planning on getting a job next semesterI wanted to make sure I could focus on school, getting good grades is very important to me.I would like to plan a big trip either to hike the JMT or travel to New Zealand to visit a friend within the next two years or so. Other than that I want to make sure I am putting my money to good use. Currently it is just sitting in my normal savings account with BoA. I am wondering what the best way for me to allocate the funds is. I was thinking of setting up a Roth IRA or putting some of it into vanguard. but I would like to be able to use some of it when I want to start traveling.  <response>: Save it for an emergency fund. You have two years of college left, I wouldnt bother investing that money just yet.You cant put it in an IRA unless you earned income this year. 