<prompt> Human: Hi guys, Im new to this subreddit, and have seen some really helpful stuff about managing current debts, savings and investments etc. However, I am a 15 year old teenager with only a few thousand in savings, and 0 debt. My parents dont manage their money well and spend it whenever they like, thus I dont think I can turn to them for advice. Is there anything I can do at the momentin the short term future that can ensure my financial wellbeing in the future, AKA being able to live comfortably and not in debt? Saving a set amount every month, putting the money in some funds under my parents name? Id say I am doing above average academically and should be able to find a pretty okay job, hopefully, but I heard from many that good academic results dont necessarily mean success later on in life. Also, I live in Singapore, and there is this thing called CPF which is basically a 401k plan, Some other stuff that may or may not make a difference, an average car usually costs 100-200k here, and an average 3 bedroom apartment for about 300-800k depending on location numbers I got from my mum whos a real estate agent. TL;DR - 15 year old singaporean teenager with no debt and little savings looking for help to ensure financial safety in the future  <response>: If your parents are bad at money I would not put anything in their name. Since you are facing a possible college education coming up, your best choice for now is NOT to take risk and NOT to tie your money up. You may need it to help with graduating. Just park it in a boring old savings account until you are safely and securely out of school, then look at longer term investing. 