r/moneyadvice

Im 16 years old and work a job. It’s good pay and I work every week day during the summer. I do everything I can to save my money by sometimes putting away 50% of my paychecks. Recently I got a car. Nothing crazy. A Volvo s70 year 2000. It was a good deal but we knew we had somethings we needed to fix. Things like new brakes, tires, parking break and just some electrical fixes. I got this car because I didn’t want a normal everyday car that I’d see everywhere. Now the issue is that saving money to get the car fixed up takes forever. I wanna know how I can make money easy through maybe a side business or something like that. Help me out please!

I am mom and work full time I start student teaching in the fall and need to make a couple extra hundred a month. Right now my full time job isn’t cutting it with prices getting raised constantly. What are some ways to make money from home? I am a teacher and good with technology.

Im currently working full time, while doing school part time. Ill be done with my Cybersecurity degree by 2028 (possibly), but in the mean time I feel like my quality of life is just bad. I make around 23/hr, but im still paycheck to paycheck. I know what most will say "just stop spending money" well duh, im more so asking, is there any actual jobs that pay well I could get into with my ops manager experience that isn't just more retail?

I've got an amazing girlfriend, and life outside my money. I just wanna get it in check and start doing something to boost my savings, which currently is at $800.

Hello, Reddit.

I need money and I don’t care what it takes, but I desperately need to get it. Can someone please give me any and all options in order to get some fast as hell?

I have a better understanding of investing into CDS and Treasury Bonds than stocks. I only wanted to get into low risk investments because its easier to understand than stocks, but idk if that's going to be worth it in the long run. Any guidance, would be helpful!

Hey everyone!👋

I’m 23 years old, and I’ve been working a standard 6-to-5 job for a while now, and honestly, I'm just burnt out.😣 The pay is barely keeping up with inflation, and I'm seriously looking to transition into earning money online, ideally building something of my own.

The problem is, whenever I search for ways to make money online, I just get hit with a wall of "gurus" trying to sell me courses on dropshipping or crypto. It all feels so saturated and fake.🙄

I wanted to ask real people here: What are you actually doing to make a living (or a solid side income) online right now? 💰Which direction or skill is worth learning if I'm starting from scratch? I'm willing to put in the hours and learn, I just want to focus on something that actually works.🙏

Also, a bit of a specific question — what’s the consensus on AI right now? Do you think it’s actually possible to build a legit income stream using AI tools or is that just another overhyped trend that’s dying out?📉

Would love to hear your honest thoughts, experiences, or any advice you wish you had when you started. Thanks in advance!🙂🤝

Hey everyone,

I’m in a major bind today and could really use some solid recommendations. My name is Jayla. My car has some technical issues and needs a big repair that costs around $700, and of course, I have to pay the mechanic today to get my car back.

Here is the catch: My credit score is currently sitting around a 512. It’s pretty bad right now because my mom opened cards in my name before I knew about it, but I’m actively working hard to build it back up.

I’m absolutely NOT asking anyone here for money or a loan. I am just looking for advice on the best, most reputable loan companies or online lenders to use for this specific situation. I have a steady income and can fully pay the $700 back by next Friday.

Because I need the funds today, I know my options might have high interest, but I want to avoid the absolute worst predatory traps if possible.

Has anyone with a similar credit score had luck getting a same-day deposit?

Are there specific online lenders (like OppLoans, Upstart, Avant, etc.) or platforms you’d recommend that look at income rather than just the credit score?

Any specific ones I should completely avoid?

Thanks so much in advance for the help!

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)

Hi I’m 22F, a full time cosmetology student, working two jobs, renting an apartment with my boyfriend 24M and struggling to keep afloat. I’m in roughly 5k worth of credit card debt due to an awful economy and an over saturated job market, taking out credit cards to pay the water and electric bill and put food on the table. A couple weeks ago I found out I lost my Pell grants for school and now owe about 8k before September 16th. My bank account is constantly in the negatives and my credit cards have bombed my credit score. I’m more than willing to give more info, but if you were me, how would you make this happen? To be debt free by September with all expenses paid? Bare minimum how would I get the ball rolling to start paying down that debt while saving for these school payments?

I m 17 year old and i want to be independent by 19 year so which type of start up would be good?

I need a million dollars 💵

I’m an international student at a Midwest university working part time (minimum wage). Money is tight but I’m trying to be smart about it instead of just letting it disappear.
A few things I’m trying to figure out:
• What’s the best way to actually save when the paycheck is small? Is a fixed % even realistic on this income?
• Are high yield savings accounts worth it for someone with a small balance, and do any of them work well for international students / non-citizens?
• Budgeting apps: worth it or overkill? What do you actually use and stick with?
• Anything I should know about taxes as an F-1 student (tips income, filing, etc.)?
• Credit: can international students build credit here, and should I even bother this early?
• Any dumb money mistakes you made in college that you’d tell your younger self to avoid?
Not looking to get rich, just want to not be clueless and maybe have a small cushion by the time I graduate. Appreciate any advice.

So I work a 4 on 4 off swing shift job that is super demanding on my 4 days but my 4 nights are dead. I spend my 12 hour shifts watching tv scrolling or twiddling my thumbs. I’ve tried reading but it makes me sleepy.

Lately I’ve realized that even tho I am getting paid, I am wasting my time. That’s 48 hours every night turn that I could be spending my paid free time doing another thing that I could get paid for.

It doesn’t have to be passive, or can be. What’s something I could spend time building to become passive later OR something I can just actually do for pay. I have a laptop I can bring to work.

I already have a cleaning business I do on my off days I’d rather this be something I only do on my night shifts.

Thank you for any advice!

hey there, i dont usually use reddit this is my first post ever, basically I just turned 20 years old and I have done freelancing for a year (was making 3d commercials for skincare brands for my country but later on it became exhausting and AI slop started taking over in social media so i decided to stop a bit to focus on my studies for the rest of the year)

I study computer engineering just had the hardest year yet and thankfully passed, the thing is I am 2 years away from graduation, I love maths and data and anything thats AI but I dont seem to find anything that matches my criteria

Im from a third world country in africa and making 1000$ a month would basically set me for life but the reason i want to make that kind of money is to be free somehow and focus on doing things i enjoy without feeling the guilt of not making money

I wanted to sell some speed to lead automation to US roofers but along the way I came across a law in US that doesnt allow instant messaging and needs some paper work (wanted to use twilio) and for the record I have 0$ capital and I am open to learn any skill I am okay with cold outreach, I grew my instagram to 1000 followers and used it to outreach when i was doing 3D stuff

I just want a way or a solution or a service I can provide to 1st world country clients where its a steal to both of us 1000$ for a service they would need to pay 10’s of thousands elsewhere in their country and it has to be digital

I appreciate every comment that tries to help and for the record I do not want to go back to making 3D commercials because it was something I ised to do for fun and by the time I started seeing it as a job or a chore I grew to hate it

what skills or services should i look into based on my background?

I’ve tried multiple ways of AI to make money but nothing seems to work.
I’ve tried:
N8n automation
Ai Video making
And now I’m making SAAS agency using claude but I can’t figure out what I’m doing. It give it prompt it builds be the website, but I do not know how to publish it, have its data secured and how to find clients.

1. ⁠What is a real-world problem should I fix
2. ⁠How can I monetize the solution to that problem?
3. ⁠How can I use AI to help me build or scale it faster?

Can you guys recommend me ways to make money or help me with what shall I do to improve my SAAS.

Ps: I only have access to free models of AI and do not have capital to buy pro version.

Hey hopefully this is a good thread to ask for help on. I’m not asking for money, I just don’t know what my next steps are.
So I have 13k in credit card debt after some dumb and hard times. I been working on getting my subscriptions and bills in order and I’ve built a fairly good budget plan but my problem is any left over money I have is going into my CC debt. That’s about $600 a month into my debt but then every month my interest on my CC pulls just under $400. So I’m only paying $200? Thats gonna take forever. I’m so lost with what to do no one ever taught me this growing up and I don’t have family to ask. I’m just in the gutter at this point. And I don’t know what to do.

I have 300k sitting in my bank account and I want to do something with it rather than just leave it in my account sitting. And yes I’m a huge risk taker I don’t Mind loosing money if it means I could’ve had something bigger. Any ideas ? Investments ? Business ventures ? I’ll take anything you guys give me

Just turned 18 guys do you have any source of income?

If yes then suggest me one whatever it is my mind is all brainroted by those insta reels where teen earns I feel I'm so behind and doing nothing in my life.

Earning own money and spending it and helping the parents sounds nice and feel less burden. As introvert this is hard to talk with someone or ask something.

1.I'm good I'm canva can make nice posters.

2. Good in making pintresty online birthday cards or more.

3. Can help to copy paste or type document.

and all hoping minal sources of income but don't have that confident.

Tried a lot of freelancing apps but couldn't understand how it works tried to but someone scammed me.

Feel demotivated but still having hope.

I’m 18 and looking for ways to support me and my family. I already work 30 plus hours a week at a minimum wage job and was wondering if any of yall know any methods or gigs located in San Diego.

I need at least _____ to quit working or making any other money permanently.