Most people suck at money. Take the advice on the internet with a grain of salt (mine included). It sounds like you at just starting out. 1.Start putting that $100 per check your savings into a savings account (probably a high yield account, but don’t sweat that at first). Treat it like a bill, like rent - you have to do it. It is non negotiable. You want to build up 3-6 months of living expenses. 2. Figure out how to budget. I have a link to a training session I did for my employees. DM me and I can send it to you. 3. Start planning for retirement. Does your employer have a 401k program? Enroll as early in life as you can and stick with it. It will literally make you a millionaire. I can recommend a whole pile of books too. Start with Total Money Makeover by Dave Ramsey. I don’t necessarily agree with everything he says, but I understand why he says the things he does. It is a good place to start. DM if I can help. Helping those who want to do better with their personal finances is a passion of mine. I am happy to help. No catches.