<prompt> Human: Id like to keep this short. So Ill stick to the facts and hopefully someone here can point me in the right direction. I have tried to do some research on my own but it can be pretty daunting.Im 25 years old with no dependants, My yearly earnings are between 110k-130k. I have horrible credit from being a dumb young adult and not paying off small bills. Currently I have zero debts. I have a paid off car. Other then that I have pretty much zero equity. I have a standard bank account. Pretty well I have done nothing to look after my personal finance. But I would like to start.I really just dont know where to go from here.Thank you  <response>: OK, so you say youre young, Canadian, and making 6 figures.Is your job in the oil industry?If so, you should be buckling down for a bumpy ride - oil prices are way down and the Canadian oil industry is likely to go through some serious spasms. It might be sensible to be conservative with your investments.If youre not in OG, disregard. 