u/Ok_Coyote8567

2 years ago my junior year of HS Oct.2024 i was involved in a terrible hit-and-run bike accident in NY which forced me to stop playing Basketball and go to physical therapy for over an year. Long story short driver never found filed a lawsuit already had a lawyer at the time ended up sueing and won. I just graduated high school this past June and also just turned 18 this past may which now that im of age i was able to get my lawsuit check which settled for $25k 7-8k was my attorney percentage and the rest is mine which im left with $17.2k. Now I’ve waited about a month to deposit my check which i did on Wednesday because I didn’t wanna be impulsive with my spending I wanted to sit and think before I do because I don’t know when I’ll ever receive another check like this anytime soon. I’m going to school trade school specifically and only have to take out a $13k loan that i myself have to pay i was qualified for financial aid so that did help a lot with that being said i have a couple of questions

• I have 4 accounts
• TD bank checking & savings
• Chase bank regular checking which is a car maintenance fund i save and put money away for a car or my car I’m considering fixing
• Just created a fidelity brokerage account $0 in there as of right now
• I also got approved day of my birthday for capital one platinum CC $300 limit

• Right off the bat how much do i keep for myself ? Checkings & savings
• How do i set myself up for the future ?
• Do i spread this across different accounts?
• What do i do with this money ?
• how do I make my money earn money ?

2 years ago my junior year of HS Oct.2024 i was involved in a terrible hit-and-run bike accident in NY which forced me to stop playing Basketball and go to physical therapy for over an year. Long story short driver never found filed a lawsuit already had a lawyer at the time ended up sueing and won. I just graduated high school this past June and also just turned 18 this past may which now that im of age i was able to get my lawsuit check which settled for $25k 7-8k was my attorney percentage and the rest is mine which im left with $17.2k. Now I’ve waited about a month to deposit my check which i did on Wednesday because I didn’t wanna be impulsive with my spending I wanted to sit and think before I do because I don’t know when I’ll ever receive another check like this anytime soon. I’m going to school trade school specifically and only have to take out a $13k loan that i myself have to pay i was qualified for financial aid so that did help a lot with that being said i have a couple of questions

• I have 4 accounts
• TD bank checking & savings
• Chase bank regular checking which is a car maintenance fund i save and put money away for a car or my car I’m considering fixing
• Just created a fidelity brokerage account $0 in there as of right now
• I also got approved day of my birthday for capital one platinum CC $300 limit

• Right off the bat how much do i keep for myself ? Checkings & savings
• How do i set myself up for the future ?
• Do i spread this across different accounts?
• What do i do with this money ?
• how do I make my money earn money ?

2 years ago my junior year of HS Oct.2024 i was involved in a terrible hit-and-run bike accident in NY which forced me to stop playing Basketball and go to physical therapy for over an year. Long story short driver never found filed a lawsuit already had a lawyer at the time ended up sueing and won. I just graduated high school this past June and also just turned 18 this past may which now that im of age i was able to get my lawsuit check which settled for $25k 7-8k was my attorney percentage and the rest is mine which im left with $17.2k. Now I’ve waited about a month to deposit my check which i did on Wednesday because I didn’t wanna be impulsive with my spending I wanted to sit and think before I do because I don’t know when I’ll ever receive another check like this anytime soon. I’m going to school trade school specifically and only have to take out a $13k loan that i myself have to pay i was qualified for financial aid so that did help a lot with that being said i have a couple of questions

• I have 4 accounts
• TD bank checking & savings
• Chase bank regular checking which is a car maintenance fund i save and put money away for a car or my car I’m considering fixing
• Just created a fidelity brokerage account $0 in there as of right now
• I also got approved day of my birthday for capital one platinum CC $300 limit

• Right off the bat how much do i keep for myself ? Checkings & savings
• How do i set myself up for the future ?
• Do i spread this across different accounts?
• What do i do with this money ?
• how do I make my money earn money ?

2 years ago my junior year of HS Oct.2024 i was involved in a terrible hit-and-run bike accident in NY which forced me to stop playing Basketball and go to physical therapy for over an year. Long story short driver never found filed a lawsuit already had a lawyer at the time ended up sueing and won. I just graduated high school this past June and also just turned 18 this past may which now that im of age i was able to get my lawsuit check which settled for $25k 7-8k was my attorney percentage and the rest is mine which im left with $17.2k. Now I’ve waited about a month to deposit my check which i did on Wednesday because I didn’t wanna be impulsive with my spending I wanted to sit and think before I do because I don’t know when I’ll ever receive another check like this anytime soon. I’m going to school trade school specifically and only have to take out a $13k loan that i myself have to pay i was qualified for financial aid so that did help a lot with that being said i have a couple of questions

• I have 4 accounts
• TD bank checking & savings
• Chase bank regular checking which is a car maintenance fund i save and put money away for a car or my car I’m considering fixing
• Just created a fidelity brokerage account $0 in there as of right now
• I also got approved day of my birthday for capital one platinum CC $300 limit

• Right off the bat how much do i keep for myself ? Checkings & savings
• How do i set myself up for the future ?
• Do i spread this across different accounts?
• What do i do with this money ?
• how do I make my money earn money ?

P.S. I opened up a HYSA with capital one. They have a 3.00% APY

2 years ago my junior year of HS Oct.2024 i was involved in a terrible hit-and-run bike accident in NY which forced me to stop playing Basketball and go to physical therapy for over an year. Long story short driver never found filed a lawsuit already had a lawyer at the time ended up sueing and won. I just graduated high school this past June and also just turned 18 this past may which now that im of age i was able to get my lawsuit check which settled for $25k 7-8k was my attorney percentage and the rest is mine which im left with $17.2k. Now I’ve waited about a month to deposit my check which i did on Wednesday because I didn’t wanna be impulsive with my spending I wanted to sit and think before I do because I don’t know when I’ll ever receive another check like this anytime soon. I’m going to school trade school specifically and only have to take out a $13k loan that i myself have to pay i was qualified for financial aid so that did help a lot with that being said i have a couple of questions

• I have 4 accounts
• TD bank checking & savings
• Chase bank regular checking which is a car maintenance fund i save and put money away for a car or my car I’m considering fixing
• Just created a fidelity brokerage account $0 in there as of right now
• I also got approved day of my birthday for capital one platinum CC $300 limit

• Right off the bat how much do i keep for myself ? Checkings & savings
• How do i set myself up for the future ?
• Do i spread this across different accounts?
• What do i do with this money ?
• how do I make my money earn money ?

2 years ago my junior year of HS Oct.2024 i was involved in a terrible hit-and-run bike accident in NY which forced me to stop playing Basketball and go to physical therapy for over an year. Long story short driver never found filed a lawsuit already had a lawyer at the time ended up sueing and won. I just graduated high school this past June and also just turned 18 this past may which now that im of age i was able to get my lawsuit check which settled for $25k 7-8k was my attorney percentage and the rest is mine which im left with $17.2k. Now I’ve waited about a month to deposit my check which i did on Wednesday because I didn’t wanna be impulsive with my spending I wanted to sit and think before I do because I don’t know when I’ll ever receive another check like this anytime soon. I’m going to school trade school specifically and only have to take out a $13k loan that i myself have to pay i was qualified for financial aid so that did help a lot with that being said i have a couple of questions

• I have 4 accounts
• TD bank checking & savings
• Chase bank regular checking which is a car maintenance fund i save and put money away for a car or my car I’m considering fixing
• Just created a fidelity brokerage account $0 in there as of right now
• I also got approved day of my birthday for capital one platinum CC $300 limit

• Right off the bat how much do i keep for myself ? Checkings & savings
• How do i set myself up for the future ?
• Do i spread this across different accounts?
• What do i do with this money ?
• how do I make my money earn money ?

P.S. I opened a HYSA with Capital 1 (360)

2 years ago my junior year of HS Oct.2024 i was involved in a terrible hit-and-run bike accident in NY which forced me to stop playing Basketball and go to physical therapy for over an year. Long story short driver never found filed a lawsuit already had a lawyer at the time ended up sueing and won. I just graduated high school this past June and also just turned 18 this past may which now that im of age i was able to get my lawsuit check which settled for $25k 7-8k was my attorney percentage and the rest is mine which im left with $17.2k. Now I’ve waited about a month to deposit my check which i did on Wednesday because I didn’t wanna be impulsive with my spending I wanted to sit and think before I do because I don’t know when I’ll ever receive another check like this anytime soon. I’m going to school trade school specifically and only have to take out a $13k loan that i myself have to pay i was qualified for financial aid so that did help a lot with that being said i have a couple of questions

• I have 4 accounts
• TD bank checking & savings
• Chase bank regular checking which is a car maintenance fund i save and put money away for a car or my car I’m considering fixing
• Just created a fidelity brokerage account $0 in there as of right now
• I also got approved day of my birthday for capital one platinum CC $300 limit

• Right off the bat how much do i keep for myself ? Checkings & savings
• How do i set myself up for the future ?
• Do i spread this across different accounts?
• What do i do with this money ?
• how do I make my money earn money ?

2 years ago my junior year of HS Oct.2024 i was involved in a terrible hit-and-run bike accident in NY which forced me to stop playing Basketball and go to physical therapy for over an year. Long story short driver never found filed a lawsuit already had a lawyer at the time ended up sueing and won. I just graduated high school this past June and also just turned 18 this past may which now that im of age i was able to get my lawsuit check which settled for $25k 7-8k was my attorney percentage and the rest is mine which im left with $17.2k. Now I’ve waited about a month to deposit my check which i did on Wednesday because I didn’t wanna be impulsive with my spending I wanted to sit and think before I do because I don’t know when I’ll ever receive another check like this anytime soon. I’m going to school trade school specifically and only have to take out a $13k loan that i myself have to pay i was qualified for financial aid so that did help a lot with that being said i have a couple of questions

• I have 4 accounts
• TD bank checking & savings
• Chase bank regular checking which is a car maintenance fund i save and put money away for a car or my car I’m considering fixing
• Just created a fidelity brokerage account $0 in there as of right now
• I also got approved day of my birthday for capital one platinum CC $300 limit

• Right off the bat how much do i keep for myself ? Checkings & savings
• How do i set myself up for the future ?
• Do i spread this across different accounts?
• What do i do with this money ?
• how do I make my money earn money ?

2 years ago my junior year of HS Oct.2024 i was involved in a terrible hit-and-run bike accident in NY which forced me to stop playing Basketball and go to physical therapy for over an year. Long story short driver never found filed a lawsuit already had a lawyer at the time ended up sueing and won. I just graduated high school this past June and also just turned 18 this past may which now that im of age i was able to get my lawsuit check which settled for $25k 7-8k was my attorney percentage and the rest is mine which im left with $17.2k. Now I’ve waited about a month to deposit my check which i did on Wednesday because I didn’t wanna be impulsive with my spending I wanted to sit and think before I do because I don’t know when I’ll ever receive another check like this anytime soon. I’m going to school trade school specifically and only have to take out a $13k loan that i myself have to pay i was qualified for financial aid so that did help a lot with that being said i have a couple of questions

• I have 4 accounts
• TD bank checking & savings
• Chase bank regular checking which is a car maintenance fund i save and put money away for a car or my car I’m considering fixing
• Just created a fidelity brokerage account $0 in there as of right now
• I also got approved day of my birthday for capital one platinum CC $300 limit

• Right off the bat how much do i keep for myself ? Checkings & savings
• How do i set myself up for the future ?
• Do i spread this across different accounts?
• What do i do with this money ?
• how do I make my money earn money ?

Last year around my junior year of HS I was involved bike accident hit-and-run in ny. Ended up sueing and won and now that I’m 18 I was able to get my lawsuit check which settled for $25k $7k went to attorney the rest is mine. It’s been about 2 weeks so far and I haven’t went to the bank and touched deposited my check. I bank with TD & Chase and was wondering what do I do to grow my money ? I did just graduate high school I’m going to a trade school. my parents spoke to me about buying gold and sliver first.

•What do I do with this money ?
• how do I make my money make money ?
• how do I set myself up for the future ?
• do I put this money away in different accounts ?

Last month I turned 18 the same day I applied to capital one and discover. Discovered denied me i don’t know why and Capital One approved me with a $300 limit. So far I already paid it off 3 times my 3rd time was today. Anytime I see a balance posted I pay it before the due date. So far I paid my balance on it 3 times before the due date is that a bad habit or is that good ?

I’m just looking for advice on how to use my credit card right now, I have 2 jobs decent amount of money saved up and just curious how I should use my card to get a good score when the credit company post my score in a few months

Any advice ?