If you made money from investing in the ETFs for gold and silver, you were lucky for the runnup not smart just lucky. But remember, with gold still up 17% YTD and silver flat , commodities are very volitile at this point so watch out either for more corrections or runnups once the debt problems seem to be on there way to be solved around the world(Europe). Also , you'll pay taxes to both IRs and your state even though your still a kid, so put money aside for that. Good luck on the Z but dont get over your head. Buy the base model and go from there for the upgrades such as the stereo.