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system
small investing for spending money?
user
congrats on saving the money but unfortunately, you're looking for a 24% annual rate of return and that's not "reasonable" to expect.  $200 per month, is $2,400 per year.  $2,400/$10,000 is 24%. in a 1% savings account with spending of $200 per month spending you'll have about $7,882 at the end of the year.  you'll earn about $90 of interest over the course of the year.  i'm sure other people will have more specific opinions about the best way to deploy that money.  i'd open a brokerage account (not an ira, just a regular plain vanilla brokerage account), break off $5,000 and put it in to a low fee no commission s&p index fund; which can lose value.  put the rest in a savings account/checking account and just spend wisely.
assistant