<prompt> Human: What advice would you have given to your younger self about money? Should I put my first couple paychecks in a savings account and not allow myself any spending money until I have a good chunk of money there? Who are the most trustworthy banks? Emergency fund? Car fund?Assistant: Im assuming youre living at home, probably will be for maybe up to the next 5 years, no real expenses if any and nothing planned?At this point its not all about savingsavingsaving, youre not going for FIRE at this point well maybe you are, but dont think too much about it until at least 18-20, its all about building a routine, setting a future standard and working towards smaller goals. Do you actually need a car? If not then I CANNOT recommend buying one. Saving for college? if youre American etc that kind of goal. Id do something fun with 50 of it unless you earned like 10 grand but thats unlikely and the rest I wouldnt put on anything important, but Id keep it in a savings account to use later. Also, having money around but not using it immediately is a good way to practice restraint.Human: I am planning on going to collegeculinary school. I dont plan on living with my parents until Im 22. I also dont really NEED a car but my family and friends have been telling me I need to save up for one like its the top priority of my life so I have no idea about that one  <response>: Dont let other people decide for you. If you dont actually need a car then do not buy one. Its money down the drain, unnecessary payments insurance, possible repairs etc and in the end it wont do much good. When you get a car not now, you shouldnt be spending much on it. 5k 