<prompt> Human: Im 16 years old and make an average of 500 a month. Could someone help me by giving me a percentage of that money that should go into stocks, crypto, spending money, or just into savings that would help me be more financially stable in the future.  <response>: Savings, definitely.Stocks and bonds are great investments that give savings over time. But think about it this way, when youre 40 years old, will a few extra thousand dollars change your life that much? Probably not.However, when youre 18, and want higher education, a car, an apartment, or even just extra money to keep you comfortable while you go through college or an entry-level job, that money will be in invaluable. Those are much better investments because they pay off much quicker, most notably education.Chances are, 5000 will be worth way more to you at 18 years old than 10000 will be at 50 years old.Oh, and keep a little for spending money if youre not in any huge need and dont expect to be. Youll get a lot more happiness from spending 500 now as opposed to when youre older, simply because 500 wont be considered a lot of money hopefully when youre older. 