Anya, you're a woman, correct?
I'd ask what kind of financial education you've gotten for yourself? Have you read any financial books?
Some for women that I particularly like are Mary Hunt's "Debt Free Living", David Bach's "Smart Women Finish Rich", Suze Orman's new book on women's money, sorry can't think of the title and I don't own it just borrowed from the library last year and David Chilton's "The Wealthy Barber".
There will be some folks along with good advice but I still suggest you do some reading on your own if you haven't already. It sounds as if you are doing fabulously for a young person!
In the meantime, rRead the archives here for lots of good info!
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