<prompt> Human: I need a little help figuring out where I stand financially, since I cant really tell this to anyone out there. In terms of background, Im single, no dependents. I only have two non-estranged family members, my mother and my younger brother who is 21 and in college who I live with and share living costs with. My mother makes minimum wage but has been with long periods out of work due to issues, but has always been willing to help me out in whatever way she could.I have about 30,000 of government educational debt, but its low interest and for the time being postponed as I am currently starting a STEM PhD program. I should mention that Ive had various odds jobs here and there in the past, but have never worked a real steady job for long periods for various reasons source of shame. My PhD will be my first real long-term job where I really get paid with real money not goats and chickens... kidding. Kind of.However, I have no other debts, and Ive never missed a payment for anything. We dont have to worry about basic healthcare. Ive had a credit card for ten years. Similarly, our familys major debts are educational debts. No private or credit card debts. We dont really understand finances, however, the one thing weve tried to do is always live as inexpensively possible and borrow nothing, a kind of long-term austerity plan. Neither I or my family have a car, house, TV etc... lifetime renters which is not good obviously but thats because we dont have any kind of savings or financial safety net or collateral which makes me feel somewhat insecure about our future.When I went to the bank, the guy made me feel REALLY bad about my life and said we were really insecure and limited in what we could do and the future is bleak... I dont know what to do. I dont know where to start, without getting very frustrated and feeling like a hopeless, directionless kid. Any help is appreciated!  <response>: When I went to the bank, the guy made me feel REALLY bad about my life and said we were really insecure and limited in what we could do and the future is bleakLooks like you want a new bank. 