<prompt> Human: Lets break it down. I have around 17,000 to my name and turned 21 in January. I have a full ride scholarship and not a cent of debt.The specifics:- 9000 of cash in my savings- 6500 in Charles Schwab portfolio 6000 initial investment 500 gain- 500 in robin hood- 250 in coinbase- 250 cash- 500 school fundI have a full ride in college and currently going to start my senior year in august. I will come out with no debt. I have a car that works fine and all paid off. I will be receiving about 2000 more in summer from my internship, and will try to find an internship during my fall and spring semester.My monthly expenses starting in august is roughly 200 for food and cellphone. Im very frugal. I will literally go out of my way to save a few bucks here and there if need be. My Pell grants and scholarships will pay for my living next year as well. I will have around 1,500 in miscellaneous expenses before senior year. I am an accounting major and will go a fifth year in college, that is paid for as well. I also live in Nebraska, so many things are cheap for me.I need ideas to know what else to do with my cash on hand. Im tired of watching it sit there. I need some ideas. and will reply as soon as possible if any questions.P.s. My whole family lives pay check to paycheck, The only reason why Ive saved so much is to not turn out like them. Thats literally the only thing that keeps me going.edit: I fell asleep last night due to me working the night shift. Thank you so much for your input everybody I never expected something like this to blow up!edit: CREDIT SCORE: 785 a lot of people been asking about that.Assistant: keep the 9000 as your emergency fund. begin investing every additional dollar you can spare. the last thing you want to do is invest that money, lose your savings cushion, and then end up with a large unexpected expense which results in you having to withdraw from your investment account, potentially during a time when the market is down. Human: Thats the great thing about the portfolio through Charles Schwabs, I dont get penalized if I take out the money anytime I want. They take a very minuscule percentage out of the the idling money every year.Assistant: i mean, if the value of the portfolio goes down, IE trends down with the general state of the stock market, and you went to cash it out, you end up taking losses you could avoid if you simply waited for the market to inevitably go back up. Human: Completely understandable. I personally think that 9000 might be a bit much for how little expenses I have.  <response>: 9000 might be a bit much for you at the moment, but in the future that will not be an unreasonable amount to have saved in an emergency fund.I would recommend depositing at least 6000 of that in a bank separate from any of your other accounts as your emergency fund and forget about it. Then I would save the remaining 3000 as your savings. That way you are never tempted into spending out of your emergency fund unless it is truly an emergency. 