I turned 18 in July. I have graduated high school, I currently work as a pharmacy technician making 16.50 an hour, which is over twice minimum wage in my state, rent an apartment with my name on the lease, I have my own phone and bill/plan, pay for my own groceries, gas and most other basic necessities. I was a stupid teenager and didn’t save any money and wasn’t able to for a while but I have 500 dollars in my savings at the moment. I haven’t had a late or missed payment on anything thus far. I’m getting in my own head about my job and how financially independent I am vs where I should be, though I don’t know anyone else my age who’s even moved out. I’m not trying to get in over my head with bills and potential debt so I’m only taking on what I can, when I can.
Am I doing alright?
Comparison is the thief of joy. It sounds like you’re doing just fine.
There’s 18 year olds in medical school, there’ 18 year olds with rich parents, there’s 18 year olds buried in car debt they’ll never get out of.
You have your own place, you make what sounds like an okay wage. If your physical and mental needs are met along with financial, you’re doing excellent.
Sounds like you’re doing well. If you can afford rent, bills and food just fine, then you’re golden. Some people live with their parents until mid 20s, some later. You’re doing great my friend
Yea ur not in debt. Start budgeting and saving/investing all but ur essential income
Sounds like you’ve got your head on straight. Congrats. So where is that $500 sitting? Is it liquid or is it in an investment account that you won’t touch for awhile?
Your personal finances are great, but the main question you should ask yourself is what are your long term career goals and how can you get there.
Start contributing to a Roth IRA or 401(k) through work. If you get used to saving for retirement early you won’t get used to spending that money on other stuff and time is on your side.
Not sure if you work as a pharmacy tech in a hospital or what but definitely look for the best paying pharmacy tech job in your area when you have some experience
Read and follow the wiki. You’re doing more than fine, kiddo.
You can’t spend time worrying like that. There are people my age posting in fatfire with $10m and are retired. There are also people 20 years older posting here who don’t have retirement money. If you tried to compare yourself to the spectrums constantly then you’d never have time to do anything else.
You’re only 18 and already talking about being a stupid teenager. Take a deep breath and realize you still have 60 years to go.
What are your plans for the future? College? Trade school? What do you want to do?
Not sure what your family dynamics or home situation is like but is there any hurry to be independent. Yes I understand psychology benefits but in terms of finance, it would be better to cut down cost and invest in your self.
You’re ok, but you need take some time to question where you’re going in addition to where you are.
16/hour is not bad for a single person who never wants to buy a house or build wealth. If that’s not you then you need to start thinking about how you’ll double and then triple that income.
You’re young. Get educated and get skilled and get certified.
It depends what are your long term goals.
If you don’t go to university and study in a field that is in demand you will have a hard time going beyond 16.5 an hour.
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