[SubaruSTiMike]

yes i am exactly 20, and thanks a lot for the help prohorn and everyone who responded, i really appreciate it. I will definitely put some of my assets into a Roth IRA, I talked to a friend of mine who is in an investing mind set and he suggests, since I'm pretty young anyways, I should put in 40% of my assets into an aggressive investment and 20 into a semi aggressive and 20 into a long term investment. Although I don't have a lot of money as of right now since I'm a losing player, I will get some money from summer jobs and such. I'll put in like 40 percent into stocks and if i get big baller enough think of a way to do real estate, and 20 percent into money market/etf's and 20 into IRA's.