<prompt> Human: Im 18 and earning a decent amount for my age, I still live with my Dad and have literally no bills to pay whatsoever so all my earnings is spending money. Basically I NEED someone to tell me how to save my money effectively, I cannot help but spend money on pointless shit and food drink etc. and to put things into perspective after 4 months of earning I am yet to come out of a month with more than 10 in my account.Assistant: Make a budget and stick to it. Learn about stocks and company valuation or stick to index funds for investments. Then proceed to watch your net worth grow. Human: Im not over keen on stocks etc. it seems like risky territory, especially considering I have the financial skills of a sea cucumber, but I agree with making a budget, I feel thats what I need to sort out.  <response>: It doesnt have to be now or in a year. But if you really want to be successful you need basic knowledge about stocks in your life at some point. : I think its better to start early, but for now something less risky would be better for you as a foundation. 