I’m not a financial advisor but please open a savings account and put money in your savings account if you can. I know what it’s like to grow up with parents who have 0 experience with financial advice. my parents grew up with no money and their parents did too. and even though they became middle class and then wealthy in adulthood, they didn’t have knowledge about building credit or savings to pass on to me, and the knowledge that they did have they didn’t share with me. I literally opened a savings account because someone on the internet told me to. No one in my family advised me about that, and that is awful. So I’m passing it laterally and down to you all, my friends and babies.
Please open a savings account with your bank and put money in it. If you work in the mall or at a Starbucks or a little shop, you can still treat yourself and save if you usually Just treat yourself. If you want an apartment you “need” credit, but don’t get a credit card too young especially if you can’t pay it off. Get financial advising! There is information online. But I have spoken to some of my 20+ year old friends who have no savings accounts but plan on moving to NYC or LA or Miami and getting their dreams and it’s like…? On whom’s dime henny?????! The only reason I’m happy about moving to ny is because of how much I have saved.
I have enough saved / earned this month to pay almost a year of rent and utilities and groceries which is why I’m not that stressed…. you all can save More than me if you are strategic. The entire time I’ve been in university I should’ve been saving effectively, I would feel so much better. I love you all and I love the idea of you treating yourselves all the time. but if you wanna have your own apartment or your own car or whatever and you don’t have your parents to lean on, you need a savings account so you can’t touch your money.
Try and be proactive about your future and realize that that’s the point of parents, they’re supposed to have experience and advice to share with you so you don’t fuck your life up or experience the stress and pain that they have