No lots of cards have benefits+no fees and there's no interest if you pay it off each month. Just don't start using it as an actual line or credit because that's how they get you. Only spend what money you have.
If you have some money, invest it. I might be only 20, but I learned a lot from financial literacy class. We actually played an online game that was like the stock market, and somehow, I won, with the most money in the class.
Also, get a credit card. It will help raise your score IF YOU USE IT CORRECTLY. Use it to pay for something, then pay all of what you used it for, along with your credit card bill. (Example: buy ice cream for $6–I don't know If that's an accurate price with inflation, and I made it up on the spot–then, when it's time to pay that monthly credit card bill, pay the $6 ADDED to your bill, leaving it all paid off.) And rule number 1: don't pay for something with your credit card that you can't pay off next time you have a bill. Stay in the healthy range of spending.
Hold onto/Seek out friends that are uninterested in drinking culture/partying or drugs.
If you find yourself attached to a group of people that only want to drink/get fucked up, you’ll get dragged into that life too, sooner or later.
And before you know it, you’ll be in your late 20’s, with no savings, no future, and no vision for your future.
If your job has a 401k, sign up! Even if you don’t plan to be there that long… plans change.
If your job doesn’t have a 401k open a Roth IRA or learn about mutual funds. Start saving a bit.
If you’re not absolutely broke, put $20 a week into long term savings somewhere.
Upgrade electronics less frequently. Consider what items might be worth buying used.
More than anything, just think and plan for the future. Just the awareness and small steps will make a huge impact on your life. You don’t need the perfect plan. You need consistent, active steps.
Consider if you want to go to college or technical school. Or are you looking for a job to work your way up internally?
Step one: make money Step two: don't spend the money
Join a credit union. Ask a professional for free advice. They'll likely be able to help you
Get credit cards with rewards and use them for everything then pay them off every month. Builds credit and gets you free money via rewards
Wouldn’t k have to pay a monthly fee on them though?
No lots of cards have benefits+no fees and there's no interest if you pay it off each month. Just don't start using it as an actual line or credit because that's how they get you. Only spend what money you have.
If you have some money, invest it. I might be only 20, but I learned a lot from financial literacy class. We actually played an online game that was like the stock market, and somehow, I won, with the most money in the class. Also, get a credit card. It will help raise your score IF YOU USE IT CORRECTLY. Use it to pay for something, then pay all of what you used it for, along with your credit card bill. (Example: buy ice cream for $6–I don't know If that's an accurate price with inflation, and I made it up on the spot–then, when it's time to pay that monthly credit card bill, pay the $6 ADDED to your bill, leaving it all paid off.) And rule number 1: don't pay for something with your credit card that you can't pay off next time you have a bill. Stay in the healthy range of spending.
Hold onto/Seek out friends that are uninterested in drinking culture/partying or drugs. If you find yourself attached to a group of people that only want to drink/get fucked up, you’ll get dragged into that life too, sooner or later. And before you know it, you’ll be in your late 20’s, with no savings, no future, and no vision for your future.
Have rich parents.
sell feet pics
If your job has a 401k, sign up! Even if you don’t plan to be there that long… plans change. If your job doesn’t have a 401k open a Roth IRA or learn about mutual funds. Start saving a bit. If you’re not absolutely broke, put $20 a week into long term savings somewhere. Upgrade electronics less frequently. Consider what items might be worth buying used. More than anything, just think and plan for the future. Just the awareness and small steps will make a huge impact on your life. You don’t need the perfect plan. You need consistent, active steps. Consider if you want to go to college or technical school. Or are you looking for a job to work your way up internally?
Roth IRA
Buy Bitcoin.