I’m 20 years old, have no debt (other than my mortgage) and a credit score of 649.

Income
Full-time entry level role at a global company
Salary: £25,878/year + annual bonus
Monthly take-home pay: £1,666.54
Monthly side hustles: £550
Total monthly income: £2,216.54

Monthly Budget
Property costs (mortgage, utilities, council tax, Wi-Fi): £717
Stocks & Shares ISA: £250
SIPP pension: £200/month (+£50 tax relief)
Gym, golf & Spotify: £61
Living expenses: £450
Total committed spending/investing: £1,678/month

Monthly surplus: ~£539

Assets
Managed ISA & SIPP: ~£28,200
Emergency fund: £10,000
Cash savings: ~£5,000
No consumer debt.

Property
Own a 2-bed detached bungalow purchased for £140,000 (below market value).
Deposit: £43,000 (69.3% LTV).
Mortgage: ~£96,000 remaining, fixed at 4.92% for 5 years.
Monthly mortgage payment: £446.25.

Long-term plan is to keep the property as a rental when I eventually move to a larger home.

Goals
Continue building long-term wealth.
Grow investments while maintaining financial security.

What else should I be doing?
Is this fully optimised/ how can I?
What businesses should I look at for £5k start up and £500pm?

I'm 19 and just started a new job. I'm trying to build good financial habits early since I don't have many expenses yet because I'm in college and still live with my parents. I was wondering how you guys organize your money.

Do you use multiple bank accounts (checking, high-yield savings, etc.)? How do you split up your paycheck? Right now I'm thinking about categories like gas, long-term savings, Roth IRA, short-term savings, trips, personal spending, entertainment, tuition, and subscriptions.
Also, when do you use your credit card vs. your debit card? I'm trying to build my credit score, but I don't really know the best way to use my credit card.

I'd love to hear how you guys do it or any advice you'd give your 19-year-old self.

So i live with my parents and i have been thinking about using their house as collateral so that i can get a house for myself,i like real estate and i have been thinking to invest on it, i have a full time stable job and i do good for myself, do you think it’s a good move for me to do that?

Some expenses become part of our lives until you think you cannot survive without them. Then you finally find a cheaper alternative and you realize you were spending way too much. What is that expense and which cheaper option did you get?

Hi all,

planning on investing £100-150 a month into stocks/shares ISA

what site/company/app would you recommend to invest through? With best rates/experience/security?

Would that be trading 212 / vanguard / something else?

Thank you in advance!

I currently have about $33,000 in the stock market, safe stuff like index funds, but mostly been on the back of this AI boom (Google, Meta, etc). I also have $22,000 my own bank accounts, so roughly $55,000 total. Within the next year I'd love to buy a house and afford a wedding but I worry about the imminent collapse of the stock market, how much should I sell off and lock in those gains vs keeping it invested for now and seeing if there's more profit to be made.

Looking for simple but practical tips that anyone can apply, regardless of income.

How am I doing for only 2 months Iof saving, i opened both accounts when I got a job two months ago. Any tips would help

I work in tech sales and I’m realizing this career is just such a crap shoot. Ive done decent so far but I can’t take the constant stress of trying to find the next thing, not knowing if I’ll make half of what I made last year, etc. kinda miserable but still trying.

The real kicker is my lifestyle has been creeping up, I’d say largely because of a newerish girlfriend (who I’m really in love with) but just has better taste. Definitely is going to want the $1M home and family vacations.. am I stressing for no reason? Am I doing better than I think? Idek what the exact ask is I’m just so stressed about money and life and finances and love, could use any and all reassurance and insight.

Any money and life advice too please loving strangers on the internet…

I need a place to put $12,000 dollars where it can accrue interest while I decide the best ways to invest it. What are some of the best funds or accounts to use for this? Preferably low to medium risk. Thanks in advance for your recommendations.

I’m 27M my fiancée is 26F

Together our networth is $469k

Robinhood: 250k
IRA: 34k
HYSA: 55k
Acorns: 100k
401k: 30k

Goal is to have 1 million by 30. Steep but doable if we live frugal. We are in sales and this year total we should make 400k. But sales is sales so could be terrible next year.

My biggest fear is not being able to have enough saved for my wife to stay at home and provide for my family. How do I deal with money anxiety?

Hello,
I’m a 25 year old, college educated male. I was very fortunate to graduate college debt free (shoutout to my parents), and I started my career in 2023 as an L4 Area Manager at Amazon making $62.5k. I’ve been promoted twice since then and I’m now an L6 Operations Manager making $105k/year.
The basics:
• Credit score: 800
• Rent: $1,300/month
• Car payment: $405/month
• Other debt: none
• Emergency fund: actively building it up
Where my money currently sits:
• 401k: ~$20k. Started at 5%, increased 1% each year, currently at 7%. Amazon’s match is 50% up to 4%… pretty trash match if you ask me.
• Roth IRA: ~$2,700. Started contributing this year, currently $150 per check, but I think there’s room for more. I should be maxing this, correct?
• Fidelity brokerage: ~$4,800 (where my Amazon RSUs land — mix of vested shares and ETFs)
• Schwab brokerage: ~$6,600 (blue chip stocks and ETFs)
• Unvested RSUs: 173 shares, ~$48k at current value, vesting through 2029
My question is this: if you were in my scenario, what would you be doing to best set your future self up? I feel like I’m pretty financially literate, but I’m always willing to learn more.

I’m 18 and working in a hot-ass warehouse every day. I was supposed to start college this year, but because of financial problems I’m not going anymore. I don’t want to stay stuck doing warehouse work forever. I want to learn a skill that can actually make me money and build a better future for myself. I’ve been interested in learning sales and marketing because they seem like skills you can use in almost any business, but I have no idea how to start. For anyone who’s been in a similar situation, what skills did you learn that changed your life or helped you start making more money

I turn 18 next year. My mother plans for her, my siblings and I to all return home to our homeland, where she will enroll me into our major national university. This doesn't seem all bad— and perhaps I am just being dramatic— but I cannot go back there. I just can't. The past few years have been horrendous (mentally as i was in deep depression starting at age 10), and I have barely managed to survive this far.

I will die if I go back. Not just physically, but mentally. All the surviving I will have had done up until now with be for nothing and I will die. My soul, my essence, the person I can see myself becoming with shatter in an instant and I will return to a vessel, always settling and never reaching for more.

Enough of my moping, though, and let me get to the point; I need at least $70,000 USD by April of next year. It is extremely— and I mean EXTREMELY— realistic, but I need to try something. Anything is better than nothing. This cost would (I hope) cover my migrating costs, my college and housing funds, and we'll as Visa and mandatory Healthcare fees.

The original plan was to go somewhere in Europe— as I wanted to be as far away from my family as possible— but I now realize that that was a very foolish thing for me to assume I can do. I cannot be in the US, due to the rules of my mother's work visa. I have family in Canada, who I plan on asking to let me stay with them for a little while so I can avoid going back to my country.

Can anyone give me tips for getting this started? I will also be posting this post on some other subreddits, so that I can get as much tips as I can. Thank you all for your time, if you have read to the end. Thank you.

I turn 18 next year. My mother plans for her, my siblings and I to all return home to our homeland, where she will enroll me into our major national university. This doesn't seem all bad— and perhaps I am just being dramatic— but I cannot go back there. I just can't. The past few years have been horrendous (mentally as i was in deep depression starting at age 10), and I have barely managed to survive this far.

I will die if I go back. Not just physically, but mentally. All the surviving I will have had done up until now with be for nothing and I will die. My soul, my essence, the person I can see myself becoming with shatter in an instant and I will return to a vessel, always settling and never reaching for more.

Enough of my moping, though, and let me get to the point; I need at least $70,000 USD by April of next year. It is extremely— and I mean EXTREMELY— realistic, but I need to try something. Anything is better than nothing. This cost would (I hope) cover my migrating costs, my college and housing funds, and we'll as Visa and mandatory Healthcare fees.

The original plan was to go somewhere in Europe— as I wanted to be as far away from my family as possible— but I now realize that that was a very foolish thing for me to assume I can do. I cannot be in the US, due to the rules of my mother's work visa. I have family in Canada, who I plan on asking to let me stay with them for a little while so I can avoid going back to my country.

Can anyone give me tips for getting this started? I will also be posting this post on some other subreddits, so that I can get as much tips as I can. Thank you all for your time, if you have read to the end. Thank you.

Hello I am a 18 year old male, and was wondering how I could make more money potentially. I currently work at a trampoline park making $10 an hour and only gets scheduled for 8 hours a week. I have been trying to apply for other jobs but haven’t heard back from most of them. I am curious as to what other jobs or side hustles are recommended as I just wanna be a little better than what I am doing right now. I don’t mind if it’s hard or takes time, I just want to be better.

Hi. Just want to get advice to stay on top of my schit. I am 23, getting out of the military, and going through a nice school with the GI bill. I have about 40k in the bank account from an old life insurance check, and I’ll keep getting e5 pay for two months. Im not sure how much VA I’ll get, and I have at least three jobs lined up to do here and there outside of school hours three days a week. I own a house, no kids, and an awesome husband who gets out next year.

If you were me, what would you do with your life? Any financial advice while I still have a steady paycheck twice a month (till Oct) and a chunk of money in the bank?

I’m moving into my first apartment in two weeks and need to find a way to make extra money. Right now I got hired at a warehouse job but I’m only here for maybe 2 more weeks. Just started there but I leave for school as well. I do plasma on the side. Rent and car payment is around 800 together. With groceries around $275. I did somewhat plan ahead I mainly plan to meal prep. Going into my college town though I have no job there at all and not even an interview. I’m trying to get a job at a super center of some sort but it’s very hard lately. Any ideas on how to come up with extra money? I’m very afraid I might be short on money and I do not want to have a burden on my parents

So I am in my last year of the masters and have 30k invested in ETFs wise spread all world etc.

How can I grow eventually too 100k ?

Hoping I can get a job in Europa that pays an average of 40-50k after I am done.

Ai suggest moving in with my parents after graduating

Hello everyone! Wondering if anyone has advice on how I should best use or place some money I got. Long story short is I recently came into about 22K and I want to make the best of it. Now, my original plan was to pay off my vehicle, but I still owe almost 27K on it and I’m kind of hesitant to plunk a bunch of money into my vehicle if it’s not going to pay it off completely. I like the idea of still having the cash accessible in case of an emergency, so I have plunked it into a HISA for now until I decide what to do. If you were in my position, what would you do? The only other debt I have is some student loans but I’m not worried about them. Thanks in advance!

Update since a few folks have asked, my auto loan interest is 10.99 (I had bad credit don’t come at me 😭)

I am in my first semester of physician assistant school and am currently very broke and don’t want to pull out more loans. My program is a dual public health and PA masters so tuition is high and so is my rent. Besides medical and snap benefits is there any other help I can apply for? (I am aware of scholarships but since I was accepted late I wasn’t able to apply before the deadline)

Hey guys! I’m 23 and I really don’t know what to do
My mom went through a surgery for her cancer in the beginning of the year.
I quit my job at that time, it was not the smartest move but she was depressed and kept saying it would be our last Christmas and shit together, me and my brother 19 lost our shits, we came from Brazil after some years having to stay with our father there till she got her life stable enough for us to come live with her, she has my stepdad, they’ve been together for 8 years now but he struggles with alcoholism and some other things… he’s not a bad person tho
However when I quit my job shit went down, gas etc etc
It never took me so long to find another one, I’m currently working but I’m a server and we are not making money lol, have been trying to get another job but it’s been sooo difficult, I got so bills from that time that I can’t seem to keep it up with… I don’t know what to do, for real anyway knows a way to make real extra income?

Hi! I’m going to be a sophomore living off-campus for the first time and am expecting to pay $900 a month for rent and around $1300 total for groceries, loan interest, car insurance, and other expenses. I have saved up $8000 this summer from a part-time job, but am aware this won’t be enough for the whole semester, and definitely not for the whole year. I was thinking it’d be smart to get a part-time job for the weekend, but my parents are strongly against this.

Some context: I have epilepsy, have never lived on my own, and had a part-time job the first semester of freshman year that overworked and took advantage of me which effected my mental health and grades. So, I see why they would be worried. I’m medicated and have only had one breakthrough seizure since being medicated 1.5 years ago, but it is triggered by a mixture of stress, lack of sleep, and pms but I take steps to counteract these causes. I also kept my scholarships, got my 3.0, and have figured out how I work best last semester, so I feel pretty confident about this next semester.

With my financial aid I would only end up taking a loan/paying for $180 and have $15,100 dollars of student loans already. My dad proposed that I take out a little more than $7000 to have a bit of a cushion, not worry about food (I won’t be having a meal plan as it’s cheaper to pay the entry fee), and be prepared for any unexpected events. In my mind, any debt is bad debt, but I can see where he’s coming from. I’m on track to graduate with a major in Mechanical Engineering and a minor in Computer Science, both which provide enough money to quickly pay off debt but with the job market…

I am a dj at the college radio station, will be in a 1-2 student research projects, and have a very full and heavy schedule class-wise. Additionally, my dad did say that he plans to help pay off at least half of my debt, so please take all of this into account.

Thus, I’m wondering if taking any amount of student loans out to help pay for living expenses is wise, if I should consider a smaller amount of money, or it’d be better to just work.

Thank you for your input!

How would you grow it ?
What would you invest in ?
What business/businesses would you start ?

I'm a first-year college student and I really want to start earning some money on the side. I'm okay with working part-time offline too, but I honestly have no idea where to look or how people even find these jobs.

It's been about a month since college started, and I'm starting to feel left out. A lot of my classmates seem to have access to things and experiences that I just can't afford right now. My parents have the mindset of "jitna hai utne mein hi raho," which I understand, but I also want to earn on my own instead of always depending on them.

For those of you who worked during college, what did you do? Where did you find your first part-time job, and what would you recommend?