<prompt> Human: I went from 20kyear poor indie developer to ... a lot. Its quite the transition, and its very overwhelming but in a positive way, of course.Heres what Ive done so far:1. Upgrade my bank account to the premium version for better services. I also gave them a heads up there may be money cominggoing more often than usual.2. Set my financial questionnaires to the correct amount so credit card offers will be way better my credit is average, this could be a chance to grow it. Id like to raise my limits and keep it sitting at 15.3. Hinted above, Im paying off all my credit cards to 15, then paying minimum per month to keep it there minimum is best 15? Still need to read more about this. Im told to apply for a limit on each card every 6 months. I have 3 credit cards with embarrassingly low limits.4. Welp, now what? I want to ensure this money lasts forever, so what do you recommend? Saving within a bank at like 0.1 interest rate looks awful - surely there are better ways? Should I start taking some classes about stocks? I heard for realty I should wait until the market is low, and now isnt a good time, people say. What else?For someone that started from absolutely nothing and then had money later, what can you tell me NOW that you wish you knew a LONG time ago?When I Google this topic, I mostly get HR Poster type article advice. Or HOW to get this point instead of what to do when already here.Cheers for advice Im researching while waiting on answers, of course, but Im a fan of Reddit replies from real people.  <response>: 1. There are very few premium services available at any bank that are worth paying for. I hope you arent paying for these services.2. I hope youre not paying a cent in interest to keep your credit utilization at 15.3. Completely false. Paying the balance in full is the best. Your credit history does not rely on utilization the way you think it does. It only has a short lookback history.4. There are online high-yield interest rate bank accounts that give 1.25 CIT Bank, Ally, American Express, Barclays, Capital One 360, Goldman Sachs, etc.... Thats where you should stash your emergency fund. For the rest of your money read this: The biggest financial change youll need to make is that you can now afford to be in a save first, spend later mentality because you obviously have enough to cover the basics. You should be doing things like saving for retirement, a down home, purchasing a car in cash, etc... 