<prompt> Human: Im still a sophomore in college and have lived an unprecedentedly privileged life. I have about 14000 in personal savings invested in like 60 index funds and 40 riskierhigher variance things. According to my parents, it is currently being managed byte investing company, but I didnt ask them about the details. Any advice is much appreciated, I dont really know anything about personal finance planning I dont even know what an IRA is or a 401, but I hear about them a lot  <response>: I didnt ask them about the details.Get the details. Educate yourself until youre disgusted with them, then roll the money if its long term savings into a couple of total market index funds at Vanguard. Buy and read a couple of investing books - its a small body of knowledge. 