<prompt> Human: My mother suggests i consistently split my check down the middle, weekly or biweekly, for savings and checking. Sounds like sound advice, but i imagine i can do something more with my money. Only debt i have is a maxed out credit card at 500 which will be my first goal. Already cut up the card.  <response>: First off, read the side bar. It literally has all the answers you are looking for because your case has no complications. Its literally What is the best way to manage my money.Do things in this order:Max out your contributions to your retirement funds, especially anything that your employer matches. Pay off the card, dont close the account. Build up a savings accountor other liquid assets with 3-6 months expenses in it. Only use in case of emergency. A new TV isnt an emergency. New clothes arent an emergency. New tires arent an emergency. You know these things are going to happen, so dont be surprised when they do. Dont touch that fund unless you have actual problems.Build up a buffer in your checking account. I dont know how much you make, but make it around one paycheck so you never have to worry about overdrafting or checking your accounts for a big purchaseas long as you know you generally have enough moneySet all bills to automatic debit. Dont buy a new car. Once you have done all of this, come back and start asking for investment advice, because any money you have extra after these things should be invested to make a profit. 