<prompt> Human: Hi there rPersonalFinance.Im not quite sure this is the best sub to put this on, but I feel like Im wasting my money on stupid things and feel the need to invest it somehow. Its also important to note that Im a minor living in America. What are my options? I just want want to do something more productive with my income rather than continue to buy things I dont need. Id rather reinvest that money into funding my own business than saving it at the very least. Id be happy to provide any more information you guys might need. Thank you.  <response>: If you have employment income ie, a job that officially employs and pays you and filed a W-2 on you, you can open a Roth IRA and buy a stock index fund. Theres no better way to start saving, IMO.If you dont have a job, or you dont have enough money to open an IRA, just put it in a savings account at a bank for now. It will come in handy later on! 