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You should not have to take a Commerce class to know the difference between an IRA and an ING. These terms sound like another language for many people, but they will be the guardians of your money for years to come. Although not all of us will have large sums of money dropped into our bank accounts come graduation day, someday soon all of us will probably receive a paycheck. Here are some ideas about what to do with that first paycheck and those to follow.