<prompt> Human: I want to know and create good financial habits. I want to start creating and practicing them early in my teen years since I could financial risks. I want to know how to invest and about stocks as well. I do go on Khan Academy and check out Accounting but I want to know what you guys have learned through your years. I do plan on pursuing higher education, either going to college or a trade shop. However, I do not want to have student debt on my shoulders once I graduate so Im still thinking about that.x200B;Extra Info: I do not have any expenses other than gas for my car and my phone bill. I put in 16 hours a week School Sports Work Eek! I make roughly 320 every 4 weeks.x200B;Edit: I also plan on putting on more hours once I finish my Cross Country season to around 30 ish.  <response>: I can give you advice that hopefully will help. Read: Go to Bogleheads.org and look for the wiki and the recommended books to read. Go to your local library with that list of books and pull out what they have and read them. Theyll help with everything from investing through keeping your portfolio simple to how to decide what to invest in.Invest in yourself: Education will give you the biggest bump in potential salary. Research what a major can give you for a job. For example, a degree in Eastern European Art History will get you the job you have now at McDonalds. Majors like engineering or nursing or accounting get you actual jobs for good starting salary. Save on Education: Many community college courses are transferable to 4 year schools. They cost way less. Visit the 4 year college and see if they have pre-approved courses that youll be able to transfer. Not only is this a good starting point, doing 2 years of community college first, but even after going to a 4 year college, there are courses you may be able to take at community college rather than the 4 year. My son is a senior at an expensive private college and has changed his status there to part time and is taking most of his courses at community college, only doing his senior project at the expensive school. 