<prompt> Human: I am a 19 yo college student, I currently attend a State college for free and live with my parents. Am currently working two jobs. Both of these jobs combined makes me an average of 54k average. Ive been working these past jobs for two years, moving on to my third. Both of these are restaurant jobs. About 50-60 of this income is in the form of cash tips at the end of the day. So its basically undocumented. The other 50 I make about 20-23k from hour wagesof tips. Both jobs pay 14 an hour. All my bills are covered by my parents. From phone to internet. I do not own a car so I do not have to pay any insurance or have monthly car payments. The money I earn I would spend most of it on very dumb minute things, like very expensive speakers that I do not use, or the 6 gaming keyboards that I have laying around covered in dust, or those 1,000 jackets just to be cool.My parents never asked me to pay any bills or anything, they never really bothered. Back when I started working when i was 17, I would buy a lot of things that I do not need, my parents would scold me for it, but they had given up at this point. I do not understand money like how adults do, i am a very big spender because I have no bills to pay at all, and I live with my parents. This type of spending is very bad, I understand that. I was thinking i would try to save at least 80 of the money i earn. Which is very unlikely to happen because of the nature of my spending. I keep track of how much i make, but not how much i am spending which is quiet ironic. How could I stop this type of spending? I do not want to carry this type of bad habit into adult hood. Assistant: Create an account which automatically deducts from your checking account on payday. If you dont see the money, you wont spend it. Human: What do you mean by that?Like on payday it would automatically take money and put it into a savings account? Assistant: Precisely. Theres an app called Acorns I use--not advertising for them, there are lots of apps like it. Your bank can do automatic transfers to savings too, every two weeks.Just dont look at your paychecks, put however much you can spare probably like 50, I bet in savings, and DONT LOOK AT IT. When youre done with college, youll be able to nearly buy a house. Human: So with a saving account i cannot take the money out until an X amount of time?  <response>: You can take it out from a savings account, which is why you dont look. Acorns invests it, so theres a 3-7 day delay after requesting a withdrawal. 