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Thanks for the advice yobria. I plan on investing all of my investmnent money into a Roth until that amount becomes $3000, after which I will take the leftover money and start putting together an individual stock account.

This threshold will probably come in a year or 2 (when I'm 22), until then then I plan to spend time reading on investing as well as researching companies. And all the while, my Roth index fund will be be compounding. Forgive me for having visions of sugarplums dance in my head, but I'm so happy that I started looking into investing before I graduate college

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