<prompt> Human: Lets get some things out of the way first. Yes, this is a brand new account. Yes, I dont have any Karma. Yes, I know Im 14 and this is a Personal Finance Sub-reddit. My explanation: I use my main reddit username as an online identity for many things, mainly buying and selling used electronics online. I would not like that identity to be linked to my age, as Im afraid it could hurt my reputation. What Im looking for is advice on when I should start seriously considering saving and investing? Currently, I earn around 180 a month, and I save 13 of this. I have been doing this for almost a year now, so I have 1,100 in my savings account, and 200 in my checking account. When should I start doing more? Saving 13 of my income is a start, and my income is way to pale to open up many doors yet. However, when doors do start to open, I would like to be able to march through them. Im not sure if Bitcoin is an OK topic on this forum to discuss. I have invested into Bitcoin several times, and so far have made 76. Currently, I only have one Bitcoin, as Im well aware that I can just as easily lose money in Bitcoin as make it. Adults have a tendency to say certain things over and over again. One of the things I hear all the time is Its never too early to start thinking about your future. I take this quite literally.  <response>: Even if youre thinking strictly in financial terms, the best investment in your future you can make now is to do well in school, make friends, do activities, etc.Depending on your familys financial situation, if you find yourself wanting test prep books, summer activities, or anything similar enrichment items and cant afford them, give yourself permission to buy them from your savings. You could also start saving to travel after you graduate from high school, or something like that. If all goes well, 1k will be like a drop in the bucket after youve graduated from college, so I see no point in saving it long-term if it can be wisely spent while you are young.I think a single Bitcoin is just about the perfect amount of Bitcoin to have, if you really, really want one. View it more as an opportunity to learn rather than a money-maker. 