<prompt> Human: Hello everyone, I have always lurked this sub but have never posted. Always loved the community and info given here, this may turn into a long post but I will keep it brief as possible.I am receiving 40 000 from inheritance from when my mother passed away a few years ago. I am 23 and live in The Greater Toronto Area with my grandparents. have been clean for amost 1 year from a bad opiate addiction which lasted around 5 years. My credit score is in the low 400s, mostly from some stupid phone scams I did when I was younger and in full blown addiction. Owe around 600-900 to 4 different phone companies. Plus a student loan of 12k from OSAP CanadaI dont pay for rent, no car currently, just pay for food. Thats a big expense because I eat out twice a day, but I usually spend around 50-60 more on eating out than I would for groceries so I just do that for the convenience factor. I make about 2200 a month from my job but have no savings from me being dumb with my money and over spending on frivolous things lolBasically, my question is what can I do to put my self in a position to be financially stable, build credit and hopefully invest this money? I am willing to do whatever it takes but I need to know where to start. Any and all help is appreciated, thank you  <response>: If you want to learn to invest then this is a great place to learn, Congrats on getting past your addiction, getting through that challenge will prepare you well in the future.Everyone is dumb when their young dont beat yourself up, it is about the future.Make a detailed budget so you see exactly and specifically where your money goes, if you use cash instead of a credit card the average person spends 16-20 less because cash is more real when you spend it. will be fine man, keep asking good questions, keep going forward, attitude and mindset is everything... 