conversation: User (bigced97): "I just got a job that pays $12 an hour. What’s the smartest thing to do with my money? Investments? Savings account? I’m still a dependent on my parents in terms of general living costs. "
  Self: "Savings account.  \nAll your large expenses are coming up very soon (car, college, renting, dating, etc).  \n\nIf you can swing it, open a Roth IRA and buy some index funds ([old but relevant article](https://www.kiplinger.com/article/investing/T030-C007-S001-5-vanguard-index-funds-you-need-to-own.html))  \nYou can withdraw your contributions if needed, but the money is inconvenient enough that you'll never blow it impulsively.  "
  User (bigced97): "You think it makes more sense to leave it in a savings account as opposed to a low risk investment account? I wouldn't need to touch this money any time soon but its basically just the start of a nest egg although I've always heard the phrase "make your money work for you". "
  