<prompt> Human: Hi Im new to the Reddit community! Im making 25hr working 60 hours a week alongside a general contractor in the East Texas area. Id like to know where my money should be going outside of savings. So far, I already have a vehicle thats paid off. College, when that time comes, will be paid for.I still live at home with my parents. Recently graduated! Ive lightly considered investing. Thanks for the help!  <response>: Are you 1099 or W2? Are taxes being withheld?If you are 1099 taxes are not being withheld, be sure to set aside sufficient to pay taxes. These should be paid quarterly.If you are 1099, you have great options for retirement, such as a Solo 401k. 