<prompt> Human: So, Im a 21 year old pre-med student with about 20k sitting in savings. At my current bank, I get 17 cents in interest each month, which I have come to understand is absolutely terrible. Ive been thinking about taking maybe 10k of it and putting it into an online bank, which Im seeing can have interest rates of over 1. Or would it be better to invest this money in some other way? Im afraid to do anything too risky since Im not sure what kind of financial obstacles I may run into in medical school. However, I just recently opened up a Roth IRA and plan to put about 1000 in each year until Im actually employed full-time, after which Ill max it out. Any advice?  <response>: Stop investing and put all of your money into a high-interest savings account. You should be focused on getting out of school with as little debt as possible. 