Opening my first HYSA (And other steps for better financing..)
Hello, I am a 19 year old college sophomore. I'm turning 20 in November, and I want to start trying to better finance my life, build my credit score (I don't have a credit card but I want one) and be financially stable by at least 25/26.
I currently have a job on campus that I plan to divide paychecks for (It's only about 15 an hr, but thats ok.) I also get 300 at the end of every month up until maybe May of 2027 (from a previous internship) that I also plan to divide into savings.
I tried to open with Sofi, but it keeps getting declined for some reason and at this point, I;m looking for other banking options to open a HYSA
I only bank with Bank of America right now.
I'm looking for advice and possible steps on where to go, how to start, etc. I'm completely new to all of this financial steps, but my goal is to
Successfully open a HYSA with a trustable Bank with no weird hidden fees
Learn more on saving, and potentially open a ROTH IRA, Brokerage, and 401K by the end of 2026/early 2027.
I will happily accept any clear steps, advice(the good, bad and ugly), and ways to go about this.
Thank you so much in advance :)