u/Tricky_Piccolo8435

So I just turned 16(f)and I have a decent savings and need to know what I should do to grow it.

I have a little over $4,500 in physical gold and mostly silver, $2,000 in cash that I don’t allow myself to touch and is purely savings, and then about $500 for gas, emergencies, spending money, etc. I no longer have a bank account just because I was paid in cash my last job because it wasn’t through a company but I will probably need to get one.
I do not have a job currently because I didn’t need one for a while, but I will be starting at a job next week where I’ll work 20-30 hours a week because I don’t have much else to do during summer.

I’m really not an avid spender, and mostly my money goes to gas and coffee. I hardly buy clothes or cosmetics, and often times when I do I have a gift card. Plus I use the same products, don’t really wear makeup, and don’t like to go out in public much. I definitely spend money on coffee though like 7 brew and Dutch bros, but that money is extra from family babysitting or gift money etc. Other than that it’s food and upkeep for my snake, which is dirt cheap luckily. So I really don’t blow through my money easily.

So I need know to do what to do with my current savings and my upcoming paychecks. I want to be able to travel/try out living in a couple cities when I’m 18, and I have a couple years to work and save. I don’t necessarily plan on going to college, but if I do it will be for an associates because I simply can’t fathom four more years after high school. Im going into my junior year and will be taking dual credit college classes though, just to get a jumpstart for whatever I choose to do, which will probably be real estate.

Any advice on how to grow my savings or anything like that would be amazing, thank you!

I really need advice.

I am going into my junior year of high school, online. My freshman year I did half a semester in public school and I absolutely hated it with all my heart. I had gone to one small private school my whole life, so the switch to over 2,000 kids was extremely difficult for me. I was very self-conscious, (still am but especially then), and going to this school made me develop this horrible fear of entrapment and repetition. I had never had this fear in my life, but really I just felt like I was stuck there for life, and everyday was the same. I was just constantly depressed and scared.

My sophomore year, I was allowed to do online school because my parents saw how bad this was on me. The first semester, I did okay. I kept up with my daily work, and had average grades in the beginning. I ended with mostly C’s as I got progressively more lazy. So I went from 3.4 GPA in public school in my second half of freshman year, to 2.0 in online school my first semester of sophomore year. However, I did even worse my second half of sophomore year, I constantly had missing assignments, didn’t try half as hard as I did in the beginning, etc. I ended with mostly D’s. Online school classes were a bit harder than public school but not much.

However, during the second half of sophomore year, I progressively lost more and more hope, and I started feeling lost. I was getting discouraged and depressed. I just wouldn’t keep up with my work and constantly put in bare minimum. It was a constant cycle of procrastination, and then getting upset because I didn’t do anything. I knew in the moment of watching tv or sleeping instead of doing my school work, that I shouldn’t have been putting it off, but I was too lazy. I had never been that lazy in my life. I constantly put things off until last minute, or just didn’t do it. It had gotten to the point where I didn’t really care if I failed classes. It would get really bad at times where I didn’t want to be alive and just completely shut down. Every once in a while I’d be fine for a few days, but it wasn’t often.

So, I’ve decided to just stay in online school, but I need some sort of flip to switch in me to realize I can’t keep doing what I was doing. I’ve had my parents tell me I’ve failed them and endless lectures but I just stopped caring. Nothing seems to make me care anymore, and I’m in a repetitive cycle of procrastination and putting things off till very last minute. It’s honestly miserable. It feels like I’m screaming at myself in my head to get up and fix it but I don’t do anything about it and continue to be utterly lazy. I always feel exhausted and tired, and I just want to sleep. I am at a complete loss, and I severely lack discipline, to the point where I went from being an almost straight A student to having a less than 2.0 GPA. I mean it’s the easiest thing to just do my assignments, it takes hardly any time, and I can’t even do that. I’ve gotten more and more depressed, lazy, hopeless, and lost than I’ve ever been. I don’t know what to do.

I just really want school to end.

Sorry for how long this is.
Any advice or suggestions would be amazing, thank you.