Last year, Joban graduated from high school and received a $5,000 as a graduation gift from his uncle.

Last year, Joban graduated from high school and received a $5,000 as a graduation gift from his uncle.  He just heard a guy in his dorm who invested in a software company and made a huge profit in a few months. Joban is considering investing his $5,000 in the company.  Joban has trouble managing his money and has a large balance on his credit card.  Joban has a part-time job, but spends all of the money he earns.  He also does not understand how investing works.

What advice would you give to Joban?

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