Advice plssss🙏😘

I'm in my early 20's, graduated college and working 2 jobs rn, one full time one part time. I have $12,000 saved up and am living at home helping my parents with some bills while saving. I have an old old car that's currently in the 200,000 mile range, which I'm scared will break down on me anyday 😭 I make about $1400 ish a month after taxes..I know not alot. And I paid off $6000 in student loans with just another $6000 left, but thanks to covid no interest is being added on yet.

Pls help give me advice if I am in a good financial place at my age and how to better it, i.e investing or anything bc the money is just sitting in my savings rn and I feel like I'm not doing enough 😩😭

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MrAverage1965 · 61-69, M

As the student loan is at zero interest you are right to leave your money in the savings account even though it's only getting 1% interest
As soon as they start charging interest in the student loan you should consider paying it off

As for investing it's probably not a good thing as they are usually considered medium to long term, so at least 5 years. They also carry a degree of risk which in current times with the unknowns of covid are higher than ever.

Crushedstrawberries · 22-25, F

@MrAverage1965 thank you, yes that was initially my plan. To leave it in my savings until interest starts again. I feel like I need to be making bigger financial moves but idk what they are ☹