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21 year old college student with $10k saved, what would you do in my spot?

O
May 28, 2026 · 05:24

I’m a 21 year old college student and have about $10k saved right now. About $3k is in my Roth IRA all in VOO, and the other $7k is in AAPL. Apple’s up around 25% since I bought a couple months ago, so now I’m kinda debating what I should do next. I’m thinking about moving more money over and maxing out my Roth for the year, but I’m also wondering if I should just keep holding Apple or make any other changes. If you were 21 and in this spot, what would you be thinking about or focusing on this year?