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@christianveganforlife08 A typical plan recommended here would be: Open a Tax Free Investment Account - (one that you can buy ETFs in, not a savings account that earns interest). This is an account for your retirement one day - never withdraw from it or put money into it you might need to...

@joshbruh To do what with though? If it's to reinvest in stocks then all you're doing is incurring transaction costs. If it's to spend on non-investment stuff, you might as well just skip on 2 months investments.

@rachelc0 he's still in the 0% income tax bracket since he has no other income. So OP rightly pointed out that he can earn almost 120k interest income per year tax free.