21yo. 6K in savings. How can I start safely building credit? I got a savings account and a debit card when I was 18. Skipped college. The reason being my grades were as bad as a drug addicted high schoolers grades can be. No financial aid would give me guaranteed debt for life and I didn’t have a single career in mind. However, I still think it was the right choice. Fast forward to today. I have 6K in sa…

1st Gen 21yo with a new job, seeking insight Hi guys, I will be turning 21 next month and recently started working at a university using the TRS system (8.25% of my salary from me, matched by them) My monthly salary is $2,700. My calculated take-home is ~$2000 (After taxes + TRS). After calculating my monthly expenses, I’ll have 1,100 left over. For saving I came up with 3 accounts. Each m…

21yo with 30k savings. What’s next? Hello, I’m a 21yo and I make $17 an hour about 30 hours a week, part time. Ive been working three years, and I’ve got 30k in a savings account, a few hundred in checking, and I just started a credit card with discover back in December. I have one monthly subscription, and don’t pay for my own insurance (yet). I also don’t pay rent (parents). Wha…

First Car 21yo: What should my maximum price be? Hello, I’m 21 and I make 17/hr at 30 hours a week. I have at least 20k saved up and I’m trying to figure out how much is too much to spend on a new car. I have no crazy debt and have another 6 months until I can see my credit score. My current vehicle has had 2x more repairs than the price i bought it for, and I commute 30 mins a day for work, s…

21yo starting Dollar Cost Averaging the market Hello all, In my current situation, I have a large sum of money that I would like to invest. According to the laws of the time value of money and compounding, this can be a very smart move at age 21. I have taken a liking to the method of Dollar Cost Averaging SPY or QQQ or any other similar funds. I have done my own research, but I enjoy hearin…