I am 19 and studying a mechanical engineering degree. I am **debt free,** living at home and my uni debt is thankfully going to be taken care of by my parents. I work part time at an engineering firm and have **$25k** total at the moment. **I am looking to invest $15k at a 80/20** split between 80% index funds (mostly IVV and maybe 1 other) and some individual high risk stock (wanting to learn about investing into individual stocks this way). I will then allocate most of the remaining into either **1.** A high interest savings account (say 4.65% p.a) or **2.** allocate this money into a fixed term deposit. Could I please get some thoughts or things I could further consider? I am just wanting to ensure that each dollar I earn is working, rather than sitting in a low interest savings account... Cheers!