Hey Redditors! I am a 15 year old High School student and I have some got questions. First off, lets talk about the money that I have got.

TD Bank Student Checking: $1500

TD Bank Savings Account: $3,827

The savings account that I have got is mainly for an emergency. Lets say that later on in life I get sick or something like that and I need to pay for the hospital (because we all know how much that can cost) that is what that money is for. So I guess what I am asking is what I want to do next. I have got almost no finical direction. Should I start an IRA and start saving for retirement early? Should I just keep doing what I am doing, saving the money that I get for birthdays/Christmas and keep putting it in the savings account? My parents have got some other accounts that are for college and stuff like that, but I don't really know what is in there. I have got no credit cards that my parents opened in my name (that I know of) or any loans. I don't really have a credit history.
user
I got some money
assistant
Hey Redditors! I am a 15 year old High School student and I have some got questions. First off, lets talk about the money that I have got.

TD Bank Student Checking: $1500

TD Bank Savings Account: $3,827

The savings account that I have got is mainly for an emergency. Lets say that later on in life I get sick or something like that and I need to pay for the hospital (because we all know how much that can cost) that is what that money is for. So I guess what I am asking is what I want to do next. I have got almost no finical direction. Should I start an IRA and start saving for retirement early? Should I just keep doing what I am doing, saving the money that I get for birthdays/Christmas and keep putting it in the savings account? My parents have got some other accounts that are for college and stuff like that, but I don't really know what is in there. I have got no credit cards that my parents opened in my name (that I know of) or any loans. I don't really have a credit history.
user
What do I do
assistant