<prompt> Human: To start off, some background:Im 20 years old and have been saving money for a little over a year now. Im currently working full time as well as running an online business, and Im not sure the best way to go about managing my finances. I started out keeping it in a savings account as an emergency fund and keeping 70 of my income in that account, but, with my living expenses, I have more than enough to last 6 months I really only need about 12000 for that.My current income is: 3000 a month, post-tax from my job 7500 a month, pre-tax through PayPal from my business, estimated roughly 4500 tax per quarterThe money is currently going to a bank account I have with a credit union up in Tennessee I relocated to Atlanta a little over a year ago, so its not a very convenient banking situation.With this information, my question are as follows: What is a good, nation-wide bank which doesnt have a bunch of hidden fees and has good service and whatnot? What is my best course of action for putting my money to use? I know I should keep enough for an emergency fund and taxes in a savings account. What should I do with the rest? Mutual fund? What else? What do these things entail? What is the best partitioning for my income, assuming I have about 2000 a month in expenses likely overestimating? I currently put all of it in a savings account and transfer it to a checking account as needed.Thanks in advance for any help and advice. Im really glad Ive found a community, within Reddit, which seems so helpful.Note: I have taken a look at the sidebar post relating to this but was hoping for some possibly more specific information. I know a bank can also help provide a lot of that information, but I dont want to set up with any bank before getting recommendations.  <response>: What is your online business? 