<human>: Can you condense the text into three sentences or less?

I am a 19 yearold college student who makes way too much money on eBay. I make approx 4k a month on the business, while I have a fulltime job and classes. 

I come from a well to do family so I have no expenses for college as they have all been saved for by my family. 

So here is my dilemma my net income on eBay is 48k, but I need to pay taxes on this earned income, how can I avoid some of these taxes and improve my fiscal situation. I have about 10k in an investing account on the stock market, 10k in my savings, 10k in my checking, and 2k in my lending club account. Obviously, I have a lot of money not really doing very much for me. 

My problem is I have a new business I will be starting in the next 1.5years so I would like to keep my money fairly liquid. I have researched starting a Roth IRA and vangaurd advised that I wait until december to decide what to do for this tax year because the income is not for sure and that way I can maximize my dollars.
<bot>: Have a lot of money, need it to be somewhat liquid but make at least some returns on it and want to deduct/avoid taxes on my business.