Place your money in a savings account to SAVE it. Place your money into a checking account to SPEND it. You can still use a debit card and spend it from a savings account, but your likelihood of earning interest is greater, but not going to be much unless the amount you hold in the account is a few thousand dollars.
It doesn't make a lot of sense to put money into an IRA until you graduate from college. You will require a lot of cash over the next 10 years, so it would make sense to keep it as liquid and ready to use, instead of borrowing money, if you have the cash.
I cant really gove you an answer,but what I can give you is a way to a solution, that is you have to find the anglde that you relate to or peaks your interest. A good paper is one that people get drawn into because it reaches them ln some way.As for me WW11 to me, I think of the holocaust and the effect it had on the survivors, their families and those who stood by and did nothing until it was too late.