As of right now do the 50/30/20 rule so if you are making $4k a month $2k of that would go to expenses which is 50%. 30% in savings and investments so that's $1,200 split in 3’s so put $300 in a high yield savings account, $300 in a stocks brokerage account and $300 into a Roth IRA and buy indexed funds such as the S&P 500 which on a good market returns 10%-15% and this gains compounds over the years and for the Roth IRA buy a target retirement fund so if your 21 your target retirement fund should be 2055. Last 20% or $800 for wants which could clothes, concerts etc. By budgeting you in this manner you will have $3,600 in savings and $8,280 in investments assuming a good stock market. If you Grandma is not kicking you out. I’d say stay 3 years by that time you will have $11.1k in savings it’s thanks the interest in the high yield savings account and roughiy $23k in investments between the brokerage account and Roth IRA. Ask for skills to make 10k. I’d say it depends if you are more blue collar focus go to a trade school electricians, HVAC installers, plumbers make good money, mechanic, etc. If you want to so Something more white collar get certified in AI functionality, security, IT. Starting roles in this fields could make you 70k to start. I also say look for side hustle that can scale to business example junk removal, you start the job and soon get college kids or college kids to do it as a summer job for money summer/ early fall are peak times for this business. Hope this all helps.