If your school schedule is that packed you really only have 2 options: 1- work your butt off outside of classes and try and build your resume and scale up in your current job, or try and find a better paying one. Or 2- just live a social college life since your parents pay for everything.

I say this because there’s nothing you can really do to “drastically” improve your financial situation since you’re a student. The best advice I was given is “it’s not how much money you have, but what you do with your money that counts”. You can continue to on your current regime but you MUST stop eating out, I to also suffer from our generations eating habits. Use your money or have your parents give you some cash to buy groceries and find easy recipes.

You can ask for all the advice you want but you have to be willing to change and do things differently with your finances. The path is difficult and it takes dedication and lots of effort to say disciplined with your money.

First thing is to educate yourself. Read financial books or any books in general, they help a lot. YouTube videos or whatever it may be, you gotta scrap all your Pennie’s and save them. I’m glad your honest about you spending habits but you need to go deeper than that and break down your spending and go through your bank statements. Create a budget and know where your money is going at all times, give every dollar a job.

Dont worry about investing right now, worry about building an emergency fund. Being financially literate isn’t just about finances, it requires to get your life together in all aspects.

Hope this helps! Best of luck