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Post Reply Just turned 18 a few minutes ago
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Posted 1/2/15
well since this is coming from a stranger the only thing i can really say is happy birthday and hope you have many more
Posted 1/2/15
Drink. A lot.
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Posted 1/2/15

Nightblade370 wrote:


metalshiflet96 wrote:


Nightblade370 wrote:

I know this is a rather simple, yet loaded question, but any advice?


Why was this reported to moderators?


I'm assuming you're the mod? I must apologize; there was a comment that I viewed as offensive, but this was my first attempt at reporting anything on a forum to a mod and I didn't realize that I was reporting my entire forum. Again, my apologies.

Not a mod, just curious as to why it was reported lmao
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Posted 1/2/15

Nightblade370 wrote:
I know this is a rather simple, yet loaded question, but any advice?

Nobody young wants to hear this, especially me at that time of my life, but I really wish now that someone had forced me to do this back then. I should make you pay because free advice is one of those things where you don't really pay attention, and you usually what you pay for...

But seriously, if you have a job, or as soon as you get one, first concentrate on building up about 8-10k in a savings account for emergencies. Put all you can afford towards that.

Then get really serious and start investing heavily in a 401k, if your workplace has that available as a benefit. Otherwise, invest in a Roth IRA using a reputable investment firm (not a bank...). At least 10%, but anything over that is better.

Don't leave it to chance. Have automatic deductions taken either from your pay directly before you get it, or from your direct deposit account to the Roth. You don't miss what you never get, but it is much harder to save after you get paid and see the money available to you.

Your biggest asset is time, and the earlier you start saving, the better off you will be later.
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