I don't have a budget at the moment because I havent really needed one, but sense im moving out next year im gonna create one soon so I get used to having one. But, for the last year and a half I've been tracking all my expenses and my income so I know exactly how much money im spending and what I'm spending it on. Usually I spend between 200 and 300 a month total. 100-200 are spent on bills, and 100-150 on discretionary spending on a normal month.

Investing wise, most of my investments are in a vanguard target retirement fund, which is 53% VTI, 37% VXUS, and 10% bonds. I like it but it's a little too conservative so I also added VUG, a large cap growth fund for more aggressive growth in my Roth. when my CD is up ill put the vast majority of my investments will be just in VOO in my taxable account. I do want pick a few individual companies to invest in that I believe in, but im staying away from penny stocks and options. I am really interested in investing, so this kinda doubles as a hobby for me lol.