<prompt> Human: Hi there! Im 18 and a freshman in college and managed to get a full academic scholarship. I currently have around 15,000 in my savings from work. I work as a waiter, I make roughly 1,000 every month, and as a rule of thumb, about 80 of what I make goes into savings, the rest being for my credit card bills I always pay above the minimum payment, dont have a credit score yet, car insurance, and the gym. My savings account is only .03 interest per month, so it ends up being pocket change. What should I be doing with my money? I tried to talk to the investment guy at the bank but he just rattled off a bunch of stuff and told me to read up online. I have nothing in particular Im saving up for, besides an apartment but thatd be after college. Any tips or advice?  <response>: the rest being for my credit card bills I always pay above the minimum payment,Always Pay the statement balance in full by the due date. Dont carry a balance. My savings account is only .03 interest per month, so it ends up being pocket change.Get a better bank. Theres a recommended list in the sidebar wiki.Read the sections in the sidebar for your age group. 