Help me get my finances together please.

Help me get my finances together please. I (25F) currently make 62k at my job. I don't have many bills right now other than $300 I give my mom for rent, $100 family plan phone bill, credit card payments that I could easily pay off if I wanted to, and 2 minor bills which are the gym and peacock. I have 27k saved in a HYSA. I would like to start using that money in an effective way rath...

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