<prompt> Human: I see so many positive things in here and its helping me learn a lot! I browse this subreddit once in a while. I have recently started my first full time job at Home Depot. I am going to trade school once a week. I plan to make my trade a future full time career. I have no debt and I live with my parents.I am seeing someone for personal finances tomorrow at Bank of America. I intend to seek help on Roth IRA and 401k plans. Is there any advice you guys can give me when I go meet him? Also, can someone give me a brief list of things to start looking into for personal finance? I love getting ahead in the game and want to start now! EDIT: So general advice so far is to work on my emergency fund, look into Home depot plans, and be cautious with Bank of America Reps trying to sell me something. UPDATE:Thanks for all the help guys. I really appreciate all the support and advice. I really want to become successful and I would probably have been lost if there was not this subreddit. I will take a look at Vanguard and VFINX. Also, I will be cancelling my appointment with the financial advisor from Bank of America.  <response>: I worked at Lowes while I was in school. The 401k option they had was put in 6 and they matched 4. That was awile ago though. Make sure you are taking advantage of the Home Depot plan. Im sure HD has something similar. Offer to help your parents, but dont force it. At this point in your life, saving an emergency fund is the most important thing you could be doing besides education. 