[JonsyFredricks]

Hey y’all, im graduating from uni soon and still have no clue how to budget or invest money. Any advice?

[trisleak]

Read the book The Barefoot Investor. It's a great guide for budgeting.

[ltamprocras]

Once you get a job immediately do the company match in your 401k. If you have an hsa (comes with HDHP health plans) max that out. Look up using an hsa for retirement. Then open a roth ira at vanguard, max that out. Finally, go back to your 401k. These should all be invested in either target retirement or index funds. Dont worry if you cant hit all of these right away, but every raise push 50% towards these goals.