Currently a college student about to graduate with an associates and then pursue my bachelors. Since I work while I go to school I have some savings (20k) and no loans since parents are fortunate enough to cover school. All my savings does is sit in a checking account and I’m wondering what accounts to open/how to start investing in the stock market to let my money work for me rather than sit in a minuscule interest checking/savings account. Is it better to open an IRA at my credit union or where I actually plan on trading/investing? How do I calculate a 5 year plan?