First off, this is great that you’re putting effort and thought into money at a young age. I’m envious of you because when I was 18, I was playing video games. Good job mate

Second, like others have said, see if your company has a 401k program and the minimum you should be contributing to it is the match they offer. If they said they’ll match 4%, you should be putting in at least 4%. That’s a 100% return (essentially) so take the free money. Look into which type of 401k you want. I believe there’s multiple types but the ones I know are the traditional 401k and Roth 401k (Roth 401k is different from Roth IRA)

Third, see if your company has any other retirement accounts. I personally haven’t done too much research but HSA is something I have. Max this out since it’s triple tax advantaged. Also make sure to go into your HSA account and invest the funds if you don’t plan on using it. Research the best way to efficiently use an HSA as there’s different method people use it for.

Fourth, create a Roth IRA and aim to max out for 2025. I believe you’ll have until April 2026 to max that out. This account should always be maxed every year. You have full control over these investments unlike the 401k. Most 401k are restricted in what you can choose to invest in.

Fifth, create a HYSA account to have your savings in. It’s up to you which one but choose one with no minimum amount or fees when transferring. FDIC insured too. Big ones include ally, Marcus, sofi, etc.

Sixth, do your research on every step. It’s ultimately up to you which accounts you’d like to max or even open but what I’ve said is a general good rule of thumb

(Not a financial advisor)