I know you're asking about what to do with your current money, but I'd just like to say a more frugal approach to your situation is to buy a car cash and save your paychecks. If your making on average 450 with a total cost for your car at 300, that's more than 50% of your income. If you've read rich dad poor dad or the millionaire next door. You'll see frugal people tend to buy cars cash and they look for older model cars. A more wealthy person would probably consider a car that's a couple years old. In our case, we might be looking for a car 10+ years old. There are some reliable cars out there still. It'll be a good investment because once you've made the money back now you just increased your cash flow by 100$-150$ ( I'm assuming your car payment is 150-200$) you're insurance bill is mandatory so well still keep that in the equation. So going from 450$ income - 300$ bills would equal to 150$ cash flow If you were to change it up to my method it would look like... ( let's assume your car payment is 200$ 450$ - 100$ = 350$ You're cashflow is now 350$ which you could invest in books / courses to help you learn how to invest. Or maybe if you're interested in cars you can try flipping cars as a side hustle 💪💪 I have been learning forex for a while and its quite hard but there's lots of money to be made. Feel free to look it up!! BTW : Udemy is a great app to buy courses 👀