Go to the dentist. Get a little exercise. Find a way to reduce calories over the next 20 years, spend as little as possible. Borrow a little money for your car. Stay away from credit cards until you make enough to pay the cards in full every month. Keep track of every skill you learn on the job, using that information to transition into higher-paying jobs. Get a savings account. Spend as little as possible without skimping on food quality. Save 1 months salary and keep that in checking. At the end of each month, transfer everything above the target funds into savings. Save 3 months salary for an emergency fund. Once this financial foundation is established, divide additional funds into two buckets: one gets invested each month, the other is for major purchases and travel.