 you can't contribute to a retirement account because you don't have the earned income so basically what that would leave is unless there's something else that as you kind of think and pray through it and consider your values and priorities you know like giving or something like that i would either just use it to boost even further your emergency savings especially since we've got very attractive interest rates right now on high yield savings and and cds or you could also put it with timothy great mutual fund faith-based mutually fund company