I Just Moved Out Guide to Finance | What you should know about personal finance at a bare minimum скачать в хорошем качестве

I Just Moved Out Guide to Finance | What you should know about personal finance at a bare minimum

0:00 Intro 0:53 The Immediate Must Dos 1:40 Banking and Budgeting Basics 4:15 Credit and Why You Need It 6:18 Insurance 6:48 Health Insurance 8:16 Car Insurance 9:12 Buying a Car What to Know 10:55 Rent and Housing 11:52 Investing and Retirement 12:28 Retirement Accounts 14:32 Investing What to Know 16:43 Taxes What to Know Moving out on your own? Here's everything you need to know about managing your finances. This past summer I graduated and moved out to live on my own for the first time. It was stressful, confusing, and overwhelming — but the last thing I wanted to worry about was money. So I put together this comprehensive guide to help you avoid all the expensive mistakes I learned about along the way. This isn't about becoming a finance expert or optimizing every dollar. It's about the important stuff you need to know RIGHT NOW to set yourself up for success. 🎯 WHAT YOU'LL LEARN: ✅ How to prioritize paying off high-interest debt and build a 3-6 month emergency fund ✅ Setting up high-yield savings accounts and bucket budgeting systems ✅ Building your credit score the RIGHT way (without the stress) ✅ Choosing between HMO, PPO, and HDHP health insurance plans ✅ What to look for when buying a used car (and why new cars are terrible investments) ✅ How apartment hunting costs go beyond just rent ✅ Roth vs Traditional retirement accounts and why starting early matters ✅ Filing taxes without the headache using deductions and tax software 💡 KEY TAKEAWAYS: Your checking account should be a temporary stop — make your money work for you Always contribute enough to get your full 401(k) employer match (it's FREE MONEY) Don't try to time the market — time IN the market is what matters Credit isn't scary when you follow the rules: pay on time, use under 30% of your limit Cars are statistically the worst investment, but they give you freedom — buy used until you can afford what you really want ⚠️ DISCLAIMER: I'm not a financial advisor. This isn't personalized financial advice, and I'm not responsible for your financial decisions. This is educational content based on my personal experience and research. Following these fundamentals will help you avoid expensive mistakes at the beginning of your financial journey and give you the foundation you need to thrive in your new independent life. If you found this helpful, please like the video and let me know in the comments what financial topics you'd like me to cover next! #PersonalFinance #FinancialLiteracy #MovingOut #Budgeting #FirstApartment #CreditScore #Investing #MoneyTips #YoungAdults