is there anything i can do now as an 18 year old?

[bwana devil]

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a more conservative route but time is on your side.

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the opposite is true. the younger one is the more aggressive one should be.

having the money in more aggressive investments allows for greater returns and more time to recover from downturns. an 18 year old should welcome this type of growth. a 60 year old would hate this idea and should ladder CDs and take the sure money.