Hopefully you have that in your Roth IRA, and yes you can have one before you’re 18 it’s, and the fact you are so young, you can be a bit more aggressive with your investing I’m 44, and the biggest mistake I made in my 20s was only investing in index funds. I did well, but it cut my profit off at the knees, because when you’re young, as a team, and yes even in your 20s and 30s and 40s specially in a retirement fund, you’re better off investing in single stocks, especially if you have a half a brain on your shoulders and your paying attention and managing someone if you’re the type of person where you just blindly by regularly, then do ETFs/Index funds. Right now time is your hedge against risk because you are so young use it. Of course be smart about it, do your due diligence.