Graduating Soon – Trying to Set Myself Up for Financial Success. Advice? Hey guys, I’m a 23-year-old male graduating this year. Right now, I make around $2,000/month, and my bills are pretty low at $185/month since I’m still in school. This summer, I’ll be starting a new job that pays around $3,300/month. I was young and dumb (still am, but trying to change that) and have $400 in credit card debt, but I’m paying it o…

Wanting to gift my son $20k for graduating college. But how? I know it’s not a large amount of money, but it’s $19,950 more than I had when I graduated. He has a decent vehicle, so need to purchase a new one. A few options I’m considering: 1) giving it to him in a lump sum. Tell him to buy a “want” but no more than $1000 to scratch the itch of wanting to spend it 2) use it to make his student loan payme…

Graduating soon with $20k to invest Hey all, im 21 years old and graduating college next spring. At the moment my monthly expenses are extremely low. After graduation I will be making about 120k salary and saving is not hard for me as I am very frugal. I currently have about $20k just sitting in a HYSA that im prepared to begin investing with. My current plan is to open a ROTH IRA…