<prompt> Human: Hi everyone,Throwaway because my younger sibling knows my account and I cant risk our parents finding out about my job while Im planning to go No Contact in the next year.I recently got offered a steady part-time freelancing job doing administrative work, for 19,000 a year. Im a college student graduating at the summer, and this is my first foray into getting a steady paying job. My parents have always had a forced relationship with attempting to maintain control over me via money, guilt, and school, and Ive been steadily saving up cash for the last 6 months doing odd jobs, flipping furniture around campus, and selling art commissions in preparation of moving away and going No Contact. Ive never been allowed to have my own bank account or credit card my dad monitors everything, and my phone bill has always been tied to our family plan. Currently, I have about 1,100 saved in cash with plans to move from Palo Alto to a friends place in San Diego, where rent and utilities will be 600-700 a month. I wont be looking to buy a car, and Im used to eating as cheaply as possible, so Im hoping to save on groceries and making do with a bus pass and splitting gas costs with my future roommates. I know San Diegos cost of living is kinda insane, so Im hoping to prepare with help from you guys in advance by saving as much as possible in the next 6-8 months and making smart decisions. Until I go No Contact, I will be living at home and not having to pay for rent, utilities, or groceries, so Im looking to save as much money as possible while setting myself for financial independence soon.I have a few questions: -As an independent contractor, I will be filing taxes for the first time with a 1099 form. Ive researched what that means, here on this sub and generally online, and I understand that this means Im responsible for my own healthcare, retirement funds, and benefits. Im most concerned about what this means in terms of taxes--should I be saving 30 of my monthly pay? I used this site and it says Ill owe about 2.5k in taxes for 27 of my income using 2017 numbers; not sure if I should use 2018 ones. I definitely dont want to fuck up and not put aside enough for taxes. I dont even know how a basic tax refund works, but Im going to hit the books on tax knowledge and try to buck up in the next few weeks.-Ive never really had a budget that worked, other than just dont buy that or starving a little bit isnt all that bad because Ive always been stressed about money and not oweing my parents anything. In exchange for getting a degree in what they wanted, my parents paid for my tuition. I really dont mind living super minimalisticaly for a long while if it means saving as much as I can. But Ive read that not leaving room in the budget for any fun money can be really stressful. If I calculate my monthly take-home income as 1,100 a month saving the rest for taxes, is it enough to put aside 10 automatically from that into my emergency fund no touching, and 70 into my move-out savings? That leaves 20, or 220, for personal spending. Ill probably end up saving some of that money too, but I need a couple of upgrades work clothes, new laptop, etc.. Id really like to sign up with a bank that lets me automatically transfer savings each month from my check, so I never actually see money I dont intend on spending.-Do you recommend YNAB or Mint? Im a very visual person and I used Excel the last 3 years to track all of my expenses, down to giving panhandlers on the sidewalk a buck or two. A lot of people swear by either app, and Im ready to utilize their benefits.-Do you have any recommendations as to which banks or credit unions I should open an account with? My family uses Discover and Chase primarily, and I currently have access to a credit card line in my parents name with Chase. Since my parents have very good credit, I dont know if this will influence a banks decision to trust me with a credit card. Im very paranoid with only spending money I for sure have, and Ill be careful to pay off my balance in full each month.-Lastly, is there a way I can learn more about investment, even if Im playing with pennies on the dollar? My grandpa always said that smart men make money from money while my dad, whos worked 40 years as an investment lawyer, has never shared any knowledge with me about what he does and how I can start learning about the market. Investment scares the hell out of me and the only thing Ive managed to really research is the RobinHood app. Is that a good start?A big thanks if youve managed to read this far and want to take your time to throw some greatly needed advice my way. Im off to go read more PF posts and take notes--this sub is shaping up to be a huge lifesaver! This community is amazing.  <response>: steady part-time freelancing jobWhy are you taking such a low-paying part-time job in an area where In n Out Burger pays 16 an hour? 