Saving money and budgeting is very straight forward. You just need a high yield savings account and a ROTH IRA. High yield savings account is just a savings account that offers a high interest rate for keeping your money in there. Normal banks give you like 0.01% so in a way your money is losing value because of inflation. High yield savings account give you like 2-5% which is so much better. I use Ally Bank and they offer me 4%. From my budget, I save $145 each time I get paid so this is how my savings are going to grow over time:

You can find high yield savings account on this link: Best high-yield interests savings accounts

BankRate is actually really good for all types of banking account shit, very impartial.

There is a lot out there, I recommend either Ally or SoFi. SoFi is good if you also need a checking account. If you setup direct deposit on that checking account, they will give you 5% interest rate. I already have a checking and I like the Chase app so I went with Ally. TD Bank is dogshit so you should maybe go with SoFi. Their UI is cleaner IMO.

Lots of people don’t save money because they already get paid very little but even if you save anything, it can be useful in the future. Let’s say instead of saving $240 a month, I can only afford to save $50. Just $50 gets you around $2,500 in 3 years.

That’s a nice little vacation that you can go to every 3 years. Or emergency savings.