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My account does indeed allow me trade, I don't trade often, I usually hold stocks for about a year. I don't wish to trade in and out frequently, but I'm quite confident that 2 - 3 years from now, my portfolio of AMD and Echelon will be higher, I've done a great deal of research and follow the stocks on a regular basis.

As for your comments about my parents, I understand, however let me clarify my situation. I plan on graduating in 3 years (I hopefully will have about a year of college credit from AP tests), and if I do that, since I'll be saving my parents about 18,000 bucks, I won't have to pay a thing. At that point I would like to pursue a masters or go to law school, however the costs there get a lot steeper. I also should have mentione that I've also paid for my car and am prepared to sell that if need be, and I've worked since I was 14, so working is no strange concept for me.

While I don't feel I need to justify my decision, I respect your concerns and just wanted to help explain my position.

As for what to do with the money, I'm still not quite sure. I've learned from your help that I can withdraw my gains from a Roth without penalty, however I will still be taxed on my profits. Assuming I have 0 income in the year when I do this, how would the capital gains rate compare to the rate I would be taxed for withdrawing from my Roth?

Thanks again,
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