<prompt> Human: Hello everyone, I am 19 years old and recently got my first ever job a few weeks ago. So far Ive gotten two pay checks and having money is great, but I dont know how to handle or save it. I dont know very much about how banks, creditdebit cards, Roth IRAs work. Or any of that stuff actually. Im not going to school at the moment. Im planning to go this fall and I was hoping to save most of my money for it, but most of it goes towards helping my mom with bills. So do you guys have any advice on what I should do so I can be financially stable through the life?  <response>: Open a checking and savings account. Have your checks direct deposited. Take off the top how ever much money you want from your checks and have that go into savings account. Send the rest into the checkings account. Only use the checking account. Do not touch the money in the savings account. Pretend like its not even there. Go into the bank and asked to set it up. Ask questions. They will explain everything to you. Make a budget. How much do you want to save? How much are you bills? Would you like some spending money? Figure all these things out. Pretty simple but it is all up to you how you want to do it. 