<prompt> Human: 18 years old male living in Quebec Free health care. Living with my parents got a fully paid car. I want to build my wealth. What to do first? Edit: I am working 10 hours a week for about 15000 a year. I am in college to become an accountant.  <response>: Here a story about the flip side of investing.I had 30,000 sitting in a bank account doing nothing. I loosely intended to buy a house, but was happy to rent and wanted to invest my money. I put it into ETFs which take small shares of a large section of the market and therefore follow the general trends of the market. ETFs are safe, longterm investments as the US Market typically wins out over a decade. However, I decided to move on a house a that I liked this September. My timing was such that I ended up losing about 7.5 on the money I had in the market. .75 interest sounded pretty good about then...The point is.. determine your timeline before you invest. Ensure that you have a liquid emergency fund of 3-6 months of living expenses. I would personally recommend including a potential need to pay your own rent as part of this fund.. yes it ties up more cash, but in case something happens and you wantneed to move out, you can.Then consider your timeline and your risk level. CDs and Bonds are typically low risklower return and stocks are high riskhigher return. I would look into a 7030 or 8020 portfolio of stocks and bondscds. If I were you at 18.In the US we have a Roth IRA. I would put some of your funds into a Canadian equivalent to start building your retirement now. Your future self with thank you and the biggest contributor to your retirement funds is time. Compounding interest starting at 18 is much much better than compounding interest starting at 35, or even 25. 