Saving money - Did i fuck up?

You're fucking up in that you're asking 4chan for monetary advice instead of going to somebody who can professionally advise your situation

>>18003635
I can get free advice from my bank, but i guess they would tell me it's nothing to worry about, they don't wan't me to succeed, or do they?

I don't see the problem here
but I know shit about this topic also

>>18003629
That's not a bad investment. 25 year old you will thank you.

However if you want something short term look into Direct investing

>>18003629
Financial analyst here (believe it or not). You have to understand OP that investing is all about achieving some financial goal. Without know what your goal is (saving for house, saving for retirement, funding education, etc.) I can't give you great financial advice. However, there are some things in your situation, without knowing your goals, that can help me steer you in the right direction. For example:

>19 years old
>living with parents until 25, so reduced living expenses
>currently has a job

Based on this, your have a 6 year time frame until the next stage in your investing life cycle, with what sounds like medium (potentially high) ability to take risk. After the 6 years, should your job adequately cover all of your living expenses when your move it (you would have a better estimate than I would), then this might not be an appropriate investment, as you could take more risk than this and thus earn a higher return.

Give me your financial goals and I can provide you with more advice

>>18003629
3.2% is less than inflation lol.

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2MB, 250x140px

>>18003629
You have enough money where it would be best if you talked to a financial advisor and started looking long term.

>>18003801
>talked to a financial advisor

My fucking sides. Enjoy them skimming away 25% of your gains and trying to sell you products that will generate them the most in fees

>>18003746
what textbooks do you recommend for beginner finance/CPA study

>>18003786
Its the best they offer, better than nothing right?

>>18003862
Generally any of the textbooks from the major book publishers are good. As a beginner, a path to learning about finance/CPA would be to:

1) Learn the basics of Microeconomics (supply and demand model, division of labor, production frontiers, externalities)
2) Learn the basics of Macroeconomics (how currencies work, how Central banks work, how fiscal and monetary policy works, how inflation works)
3) Learn basic Financial accounting (the financial statements and how they are created)

From here you can start specializing. For example, you can specialize in:
- Financial or Tax accounting (such as through CPA)
- Corporate finance (for people and want to work as financial decision makes for large companies
- Investment management (where I specialized into; includes stock and bond investing, etc.)

I remember the authors I used for micro and macro econ where Hubbard and O'Brian. Their books were pretty good.