Invest in a Roth IRA. Max it out every year. Retire by 40-50. Don't do drugs.
>>34966935Sex.
>>34966940but im a girl wouldnt that make me less desirable
>>34966942If you live your life doing/not doing things because of what other people might think. You're going to be miserable.
>>34966949lol fair. still kinda care what they think will they get better as I get older
>>34966952That's smart because people will judge you and hold you accountable to your past.There's truth to what that anon is saying. You should practice autonomy. Just be prepared for others to do the same and if you become a blown out roastie because you wanted to just do whatever fuck the consequences you will get filtered. Make the right choices.
>>34966961 what would you consider "making the right choices" at 18 then
>>34966973This is a start >>34966938
>>34966935Drink a gallon of chocci milk and a bottle of magnesium citrate then jump rope for 30 minutes.
>>34966978To add to thisGet a credit card. Make small purchases on it. For the love of god do NOT pay off monthly. You use this to build credit, not to buy stuff you can't afford.t. 811 credit score
You should have lots of sex. Wether in a relationship or not. Why? Because your looks are only going to last so long.
>>34966935Lock in to a trade apprenticeship and work 70 hours a week while your body can take it. You can spend your 30's and 40's working less than 40 hours and enjoying yourself. Don't piss your time and money away on college. Get paid to learn a trade then spend your 20's making money. All your friends who partied in their 20's will wonder how you have a nice house, a new, car, and are practically retired in your 30's. Your 20's are not your "fun" years. They are your best working years where you can shrug off an 80 hour work week like its nothing and make a fuckload of overtime pay.
>>34966983I genuinely feel like im expiring every year lol good point
>>34966986idk what trade to look into rn im just focusing on getting more certifications ect
>>34966942tits or gtfo
>>34967003you first anon
>>34966935Get marriedFinish school if you haven't Get a good job>>34966942Not if you have sex with me
>>34966935Define happiness Do everything you can to achieve it starting now
>>34966935Get an educationGet a jobGet a driver's licenceRegister to voteVote
>>34966942It will only make you less desirable to tradcuck larpers
>>34966935Start eating as healthy as possible, the later you start the worse your body will feel. Lift weights but never ever ego lift. Be bold and try to talk to a lot of people and socialize as much as possible, this one will hurt a little but it's worth it. Take calculated career risks.
>>34966935retarded chicks, later on your dick will be too weak to overrule your brain so now is your chance to fuck horrid bitches and retarded bimbos while still being able to enjoy it.
>>34966935>>34966942post pictures of your naked body on the internet for free
>>34966935Get a good degree and finish school if you haven't. You're 18 and female. You're not only in the most desirable part of your life, you're in the most desirable demographic. Life is at your palm if you know what to do.
>>34966942Please do porn
>>34966982>For the love of god do NOT pay off monthlyYou stupid dumb motherfucker. Yes get a credit card, but DO pay it off every month. Set it to autopay from your bank account every month. You'll build credit without paying interest, and you'll earn cash back.
>>34966982>>34967923>telling goyim to get credit cardsI hate americans
>>34967994There is no reason not to get a credit card. You can earn cashback on every purchase with no cost to you. It's literally free money. You can easily make everything you buy 1-5% cheaper.
>>34966935Invest money regularly into ETFs like VOO and workout.
>>34967994American credit cards give absurdly high cashbacks, sometimes even reaching 4%. In Europe we don't have this. The most I ever had was 0.1% with a hard cap of 180€ per year. 4% is an obscenely high amount. You're leaving tens of thousands of dollars on the table if you don't use credit cards in the US - not to mention the savings on your mortgage from having a high credit score.
>>34966942Take bbc to prank the future trad chud christ larper that marries you
>>34968365>4%>tens of thousands of dollarsMost people are not spending a quarter of a million dollars a year. Maybe Euros have even worse perks because you're just that bad at math.Even if you are spending freely on credit cards it just takes one missed payment for all that "cash back" to get eaten by one interest payment. You are not gaming the system by getting a cash back card and paying it off on time, you're the part of the system (((they're))) relying on.
>>34966982>>34967200>>34969178>Christians bad>High good goy score goodSmells like matzo in here
>>34966935No matter who you are the single biggest thing you can invest in at your age is your health. Do not take it for granted. And the best way to invest in your health is to build good habits now. Get into an exercise routine that keeps you active and stay that way. Make eating healthy a part of your daily life, not something you have to put thought or effort into. STAY THE FUCK AWAY FROM ALCOHOL. Otherwise all solid advice ITT. Oh and finally>>34966942Show your tits. You brought up being a girl when it wasn't relevant and used that fact to attention whore, so post 'em. Thems the rules.
>>34966938all of this but do drugs while your body can take it
>>34969205The average credit card APY is about 20%, which means a monthly rate of 1.6%. A cashback rate of 4% is so obscene that you can miss two payments a year and still be ahead. Personal consumption expenditures are about $17k a year. 4% of that is $680 a year. If you put that into the S&P500 at 8.7% average returns over the last 30 years then you'll have $10k out of thin air by the end of the decade. Over 40 years, this is 200 thousand dollars. On top of that, take into account that the difference between a 700 and a 760 credit score is a 5% cheaper mortgage. A $700k house on a 30 year fixed mortgage is about $1.4m in total. 5% of that is another $70k out of thin air. So via using credit cards I am at least a quarter million richer by 2066. You have no idea what you're talking about.
>>34966935Brush your teeth thoroughly each night before bed.
>>34969995wow we got a 30 year old wizard over here
>>34970031Yeah I bet this sounds like magic. But anyone can do it.
