<prompt> Human: Im 16, turning 17 soon. I am currently a junior in high school. I dont have a job, but am trying to get one. So my parents dont have that much money, and i have to buy my own car and insurance. I also have to pay for college. After finding a job, any tips? I want to go to school for some type of engineering havent decided which field and the thought of potentially going 100k in debt scares the shit out of me. Is there anything i can do or should do to lessen the burden? Any general life advice, both financial and other? I guess the first step would be to save for a car, but im unsure if its even worth it.  <response>: Learn how to create a budget and stick with it.And in the mean time, read Bogleheads Financial Planning hereFor your immediate issues:If you buy a car, buy a beaterjunker A to B car outright... Think in terms of old Honda civic or Toyota corolla. With this, you have no car payment, cheap insurance costs i.e. Liability only, and good fuel economy.As for college, apply at FAFSA. Get any scholarshipsgrants you can. Work part time during college. Go to a public college or community college and work your way up. AVOID PRIVATE COLLEGES. Apply for worthwhile degrees that have good earning potential i.e. STEM degrees.Above all, have this mentality: You are a poor student, you should live like a poor student. No flashy cars, no expensive clothes. Full-on concentrate in school. Live below your means. Youll be set. 