Hopefully this is the right section to be posting in this time. If not, I apologise. I also apologise in advance for the length of this post. If you don't have time to read it all, I will summarise at the end. I was hoping you guys and girls would be able to help me out with some general financial/investment advice. I know that I need to make a start in organising/improving my financial situation, but I don't have a clue where to start. I was hoping, if it isn't too much trouble, that some of you could point me in the right direction. In honesty I'm not even sure what I should be asking, so I figure I should just give some background information on myself. I just turned 21 recently. I work in a gym and receive the majority of my income as cash, from personal training. Mind you, it's not alot of money at this stage. I recently registered for an ABN so that I could start invoicing the gym owner for the other work I do, taking group fitness classes and such. Again, it's not alot of money, and this payment is received by cheque. My income varies slightly week to week, depending on clients, and classes. If you need specific numbers I'm happy to provide them. Anyway, I have no debts and still live with my parents. My only real expense is petrol (maybe $20-30 per week), and the rest is usually saved. Occasionally I will buy gifts for birthdays (21st season for me) etc... but I rarely spend my income. I have no financial planner, accountant, business advisor, or any other advisor s for that matter. I guess my long term goal, vague as it is, would be reaching 'financial freedom'. At this stage, I would just like some advice that could help me improve my financial position. Any advice would be welcome, whether it's investment advice, business advice, legal advice, grammar advice... anything. Please ask me as many questions as necessary, I really do need help, and am willing to do what it takes. Summary: -I need help -I make a moderate income -I have no debts, no investments, and no clue -I have minimal expenses -I have no advisors, accountants etc... -I am a blank canvas, basically starting from scratch -I need advice on improving my financial position in any way -What should I do?