<human>: Provide a brief overview of the text.

To start off, I'm 17 and my mom says she will give me a set amount of money to start my life with, and that's it. I've done the math and it's enough to get me a college education and then some to invest with, but here's what it comes down to... The money she promised me doesn't exist yet, so it's not in any real account. She says I need to have my own fund account in my name to put the money in once it's available. I'm not even sure what each fund is good for... or even how many funds I have the option to use. Any help is huge.. I need a place to put money that I can take out when I need it for school and investment purposes. Thanks!
<bot>: What's a good fund to keep money for school and investing in? I'm 17 and don't know what I'm doing, but eager to learn anything about how to handle my money.