<prompt> Human: As in the title, I am 21 years old and working at the USPS as a Rural Carrier Associate. I have about 14k in the bank and no debt, with good credit. What should I be doing now? I know its not a good idea to just leave it in my bank account, I just dont know where I should be starting.  <response>: Believe it or not, this is a very common question in this sub. Follow the steps in How to handle in the sidebar. 