<prompt> Human: The mere fact that you post and browse this sub, and think about your future puts you miles ahead. I am 36, and when I was 22, I was so scared that I wasnt saving money every month. But trust me, you are young enough that it is OK. You are ahead of the game because youre thinking about it. Its that consciousness of finance that is going to help you. Youll make the right decisions when the time comes. Assistant: Im 16, and while I do love to browse this subreddit, Im still terrible with money. I need to discipline myself to not spend all my money when I earn it.Human: When I was 16, I squirreled away 500 of the 1200 I made one summer in a CD. I thought I was so smart. Cut to 15 years later, when I had forgotten about the CD. It was valued at 700 IIRC. 700 was less than a month rent- nice to have, but not life changing. That 500 at the time could have been a shitty car. I could have been getting laid. Dont worry at 16- you have the right attitude! Go be young and stupid.  <response>: When rpersonalfinance tells you to spend money... Spend the money 