<prompt> Human: I am 21F in my last year of college. I am incredibly grateful to my parents who planned and started saving early so they could fully pay for my undergraduate college education so I have zero debt. Due to my good personal spending and saving habits, I have roughly 16k saved up from working summers and during the school year since I was 17 years old. I eventually do want to go to graduate school, which will likely cost between 50-75k depending on my program. Currently the money is just sitting in my savings account. Should I leave it all there for easy access post-graduation I will likely have a few months of unemployment while Im looking for a job, should I invest some of it? If so, how should I invest it? I dont know anything about investing, and neither do my parents really theyve had a personal financial advisor for their entire careers who does it all, Ive asked them about what I should do and Ive never really gotten any solid advice, so any advice is appreciated!  <response>: You should leave it in your savings account as an emergency fund. You should always keep 3-6 months expenses in a savings account as an emergency fund, and if you expect to be unemployed try to not be if you can, apply to as many jobs as possible throughout the year! then youll almost definitely need to tap into it. 