Moving out on your own at 18 can be an exciting yet daunting experience for any young adult. It signifies a step towards independence and self-sufficiency, as you venture into the world outside of your childhood home. However, the process of moving out can present numerous challenges, especially when you lack a credit history. Without a credit score, finding a place to live, securing utilities, and even obtaining a loan can all appear nearly impossible. But fear not, as this guide aims to provide independent young adults, with no credit to their name, the necessary tools and strategies to successfully navigate the process of moving out and establishing a stable and secure living situation.
In today’s fast-paced world, financial institutions heavily rely on credit scores to determine an individual’s financial trustworthiness. Unfortunately, this can put young adults, who have yet to establish credit, at a considerable disadvantage when it comes to renting a home, financing a vehicle, or even applying for a cell phone contract. However, despite the challenges that lie ahead, it is indeed possible to move out at 18 with no credit. This guide will explore alternative methods and creative approaches that can help you find a place to live, set up utilities, and achieve financial stability as an independent young adult. With determination, resourcefulness, and the right knowledge at your disposal, you can confidently embark on this journey towards adulthood and create a thriving life on your own terms.
Assessing your situation
A. Evaluating your readiness for independence
Before making the decision to move out at 18 with no credit, it is important to assess your readiness for independence. Moving out at a young age can bring a sense of freedom and excitement, but it also comes with its own set of challenges. Take the time to reflect on your emotional and financial preparedness for this major life transition.
Consider your level of maturity and responsibility. Moving out requires being accountable for your own actions and making important decisions on your own. Evaluate whether you have the necessary life skills to manage household chores, cooking, budgeting, and taking care of yourself.
Additionally, think about your ability to handle stress and difficult situations. Moving out without a safety net of parents or guardians means you’ll have to navigate challenges independently. Assess your problem-solving skills and ability to handle unexpected circumstances.
B. Understanding the financial implications of moving out at 18
Moving out at 18 without credit can present financial challenges. It’s crucial to understand the financial implications associated with becoming independent at a young age.
Start by determining your monthly income and expenses. Calculate how much money you earn from a part-time job or any other sources of income you have. Make a list of all your expenses, including rent, utilities, groceries, transportation, and any other necessary costs. This will give you a clear picture of your financial situation and help you determine if you can afford to move out.
Consider the cost of living in your desired area. Research rental prices, utility costs, and the overall cost of living in the location you plan to move to. This will help you make an informed decision about where to live and whether it aligns with your budget.
Keep in mind that being independent also means taking on additional responsibilities, such as paying for your own health insurance and managing other bills. Factor in these expenses when evaluating your financial readiness.
By assessing your readiness for independence and understanding the financial implications of moving out at 18, you can make a well-informed decision and plan accordingly. Remember, moving out without credit may not be easy, but with careful planning and the right resources, it is possible to successfully navigate this transition to independence.
IBuilding a financial foundation
A. Creating a budget and understanding expenses
One of the most crucial steps to successfully moving out at 18 with no credit is to create a realistic budget and have a clear understanding of your expenses. Start by listing all your monthly income sources, such as part-time jobs, allowances, or scholarships. Next, make a comprehensive list of your expenses, including rent, utilities, groceries, transportation, and any other necessary costs.
After determining your income and expenses, create a budget that ensures your expenses do not exceed your income. Allocate funds for necessities first and then consider discretionary spending. It is essential to be honest with yourself about your spending habits and make necessary adjustments to meet your financial goals.
B. Setting financial goals and priorities
Building a financial foundation requires setting both short-term and long-term financial goals. Short-term goals may include saving a certain amount of money each month or paying off a specific debt. Long-term goals, on the other hand, can focus on milestones like buying a car, saving for higher education, or saving for a down payment on a future home.
Identifying your financial priorities is also crucial. Determine what matters most to you, whether it’s building an emergency fund, investing in your education, or saving for travel experiences. By understanding your priorities, you can allocate your resources effectively and make informed financial decisions.
C. Building an emergency fund
Creating an emergency fund is essential for financial stability and peace of mind. Unexpected expenses can arise at any time, and having a cushion to fall back on can prevent you from falling into debt or relying on credit. Aim to save at least three to six months’ worth of living expenses in an easily accessible account, such as a high-yield savings account.
Start by setting aside a small portion of your income each month and gradually increase the amount as you can. Consider automating your savings, so a portion of your income goes directly into your emergency fund. Remember, consistency is key when it comes to building an emergency fund.
By creating a budget, setting financial goals and priorities, and building an emergency fund, you are establishing a strong financial foundation that will pave the way for independent living at 18 with no credit. These steps will not only help you manage your expenses responsibly but also provide a sense of control and confidence as you embark on this new chapter of your life.
RecommendedEstablishing credit with no credit history
A. Understanding the importance of credit
In today’s society, having good credit is essential for various aspects of life, including renting an apartment, getting a loan, or even finding a job. Credit is a measure of an individual’s financial responsibility and trustworthiness, and it plays a significant role in determining their financial future. Understanding the importance of credit is crucial for young adults who are looking to move out at 18 with no credit history.
Building credit at a young age can provide numerous benefits, such as qualifying for lower interest rates on loans and credit cards, higher credit limits, and increased financial flexibility. Additionally, having a positive credit history demonstrates to potential landlords and employers that you are responsible and reliable.
B. Tips for building credit as a young adult
Building credit from scratch can be challenging, but with a strategic approach, it is achievable. Here are some tips for young adults looking to establish credit with no credit history:
1. Open a secured credit card: A secured credit card requires a cash deposit as collateral, making it easier for individuals with no credit to qualify. Use the card responsibly by making small purchases and paying them off in full each month.
2. Become an authorized user: Ask a trusted family member or friend with a good credit history to add you as an authorized user on their credit card. This can help you build credit as their positive payment history will be reflected on your credit report.
3. Apply for a credit builder loan: Some financial institutions offer credit builder loans specifically designed to help individuals build credit. These loans work by holding the borrowed amount in a savings account and releasing it after successful repayment, providing an opportunity to establish a positive credit history.
4. Make on-time payments: Whether it’s rent, utilities, or student loans, make sure to pay all bills on time. Late payments can have a negative impact on your credit score.
5. Monitor your credit: Regularly check your credit report for any errors or discrepancies. You can obtain a free copy of your credit report annually from each of the three major credit bureaus – Equifax, Experian, and TransUnion.
C. Exploring alternative credit-building options
If traditional credit-building methods seem challenging or unattainable, there are alternative options to consider. Some organizations offer credit-building programs that report payments for non-traditional expenses like rent, utilities, and subscriptions to credit bureaus. These programs can help individuals establish credit by demonstrating their ability to manage financial obligations.
Additionally, alternative credit scores, such as the VantageScore or FICO Score XD, consider additional factors like utility payment history and rental history when determining creditworthiness. Exploring these options can provide young adults with additional opportunities to build credit, even if they have no credit history.
In conclusion, building credit with no credit history is possible for young adults looking to move out at 18. Understanding the importance of credit, following tips for building credit as a young adult, and exploring alternative credit-building options can pave the way for a strong financial foundation. By taking proactive steps to establish credit, independent young adults can increase their chances of securing rental agreements, loans, and future financial success.
Renting an Apartment with No Credit History
A. How to Find Suitable Rental Options
When you’re ready to move out at 18 with no credit history, finding a suitable rental option may seem challenging. However, with some diligence and resourcefulness, you can still secure a great place to live. Start by exploring various avenues for finding rental properties. Check online listings on websites like Craigslist, Zillow, or Rent.com. Additionally, you can use rental apps that provide comprehensive databases of available apartments in your desired location. Don’t forget to reach out to your network of friends and family, as they might know of rental opportunities that are not publicly advertised.
B. Convincing Landlords to Rent to Someone with No Credit
Landlords often rely on credit history to determine whether a potential tenant is financially responsible. However, as an independent young adult with no credit history, you can still convince landlords to rent to you. First, be prepared to provide references from people who can vouch for your reliability and responsibility, such as teachers, employers, or family friends. These references can give landlords a sense of your character and work ethic. Additionally, offering a larger security deposit or providing a co-signer (such as a parent or another trusted individual with good credit) can alleviate any concerns the landlord may have.
C. Providing Alternative Documentation to Prove Reliability
While credit history is often crucial for landlords, you can provide alternative documents to demonstrate your reliability and ability to pay rent on time. Gather proof of income, such as pay stubs from a part-time job or bank statements showing regular deposits. This can assure landlords that you have a steady source of income to cover your rent. You can also provide proof of any financial assets you have, such as savings or investments, to further establish your financial stability. Finally, consider obtaining a letter of recommendation from a previous landlord or a professional mentor, attesting to your responsible habits.
Finding a rental apartment with no credit history may require persistence and creativity, but it is entirely possible. By utilizing online resources, providing references, and offering alternative documentation, you can increase your chances of securing a lease. Remember, confidence and determination are key when approaching landlords, and don’t be afraid to highlight your other strengths and qualities that make you a trustworthy tenant. As you navigate this process, keep in mind the importance of financial responsibility and continue to build your credit for future housing opportunities.
Saving for upfront costs
Moving out at 18 can come with many upfront costs that need to be considered and saved for. In this section, we will discuss strategies for creating a moving out budget, estimating expenses, saving money before moving out, and exploring assistance programs or scholarships for young adults.
Creating a moving out budget and estimating expenses
Before moving out, it is important to have a clear understanding of your financial situation. Creating a moving out budget will help you determine how much money you need to save and how long it will take to reach your goal.
Start by making a list of all possible expenses associated with moving out, such as security deposits, first month’s rent, utility deposits, moving costs, and furniture expenses. Research the average costs of these expenses in your area to get a more accurate estimate.
Once you have a list of expenses, prioritize them based on necessity. This will help you determine which expenses you need to save for first. It may also be helpful to set aside some money for unexpected expenses or emergencies.
Strategies for saving money before moving out
Saving money can be challenging, especially when you’re starting from scratch. However, with some determination and discipline, it is possible to save enough money to cover your upfront costs.
One strategy is to create a separate savings account specifically for your moving out expenses. This will allow you to track your progress and keep your savings separate from your everyday spending.
Cutting back on unnecessary expenses is another effective way to save money. This could involve reducing your entertainment budget, eating out less frequently, or finding cheaper alternatives for everyday expenses. Saving even small amounts consistently can add up over time.
Additionally, consider exploring assistance programs or scholarships for young adults. Many organizations offer financial support or scholarships specifically designed for young individuals who are moving out for the first time. Research these options and see if you qualify for any of them.
Exploring assistance programs or scholarships for young adults
There are various assistance programs and scholarships available for young adults who are looking to move out at 18 with no credit. These programs can provide financial support and help ease the burden of upfront costs.
Start by researching local programs offered by non-profit organizations, community centers, or government agencies. These programs may provide grants, loans, or subsidies to help cover moving expenses or rental costs.
Scholarships can also be a great source of financial assistance. Look for scholarships specifically targeted towards young adults or individuals transitioning into independence. Many scholarships are based on academic achievement, community involvement, or specific talents or interests.
Additionally, some universities, colleges, or trade schools may offer scholarships or financial aid packages for students who are moving out for the first time. Contact the financial aid office of the institution you plan to attend and inquire about any available resources.
By saving money, exploring assistance programs, and applying for scholarships, you can alleviate some of the financial burdens associated with moving out at 18 with no credit. Remember, patience and perseverance are key. With the right financial strategies in place, you can successfully save for upfront costs and embark on your journey towards independence.
Securing a Job or Other Sources of Income
A. Exploring employment options for young adults without credit
One of the most crucial steps in moving out at 18 with no credit is securing a reliable source of income. Without a credit history, it may be challenging to find traditional employment options, but there are still avenues to explore.
Firstly, consider part-time or entry-level positions that may not require a credit check. Many customer service, retail, or restaurant jobs are often open to hiring young adults without a credit history. These jobs can provide a steady income while you continue to build your credit and financial stability.
Another option is freelancing or starting a small business. If you have a particular skill or talent, such as graphic design, writing, or programming, consider offering your services on freelancing platforms or reaching out to potential clients directly. This allows you to control your income and work on building your credit simultaneously.
Additionally, explore apprenticeship or vocational programs that provide on-the-job training and potential employment opportunities without the need for previous credit history. These programs can provide valuable skills and qualifications while earning an income.
B. Alternative sources of income or financial support
While securing a job should be a priority, it is also worth considering alternative sources of income or financial support to supplement your earnings.
One option is to seek out scholarships or grants specifically designed for young adults transitioning to independence. Many organizations and foundations offer financial assistance to those pursuing education or career advancement.
Another possibility is to explore government assistance programs that may be available based on your circumstances. Research programs such as Medicaid, SNAP (Supplemental Nutrition Assistance Program), or housing assistance to determine if you qualify for any support.
Additionally, consider ways to generate passive income that can provide a steady stream of money without requiring constant effort. This could include investing in stocks, renting out a room or property, or starting a small online business.
Remember that it is essential to understand the legal and tax implications of any additional income or financial support. Consult with professionals or research thoroughly to ensure you are complying with regulations and reporting your income accurately.
By exploring employment options and considering alternative sources of income or financial support, you can secure the necessary funds to move out at 18 without a credit history. Remember to be proactive, resilient, and open to various opportunities in order to create a solid foundation for your financial independence.
Budgeting for ongoing expenses
Calculating monthly expenses and establishing a realistic budget
When moving out at 18 with no credit, creating a budget and managing ongoing expenses is crucial for financial stability and independence. To establish a realistic budget, it is important to accurately calculate your monthly expenses.
Start by listing all your necessary expenses, such as rent, utilities, groceries, transportation, and healthcare. Research the average costs for these items in your area to get a better idea of what you should be budgeting for. It is essential to be thorough and consider all expenses, even the small ones.
Once you have identified your expenses, compare them to your monthly income or projected income. If your income exceeds your expenses, that is a good sign. However, if your expenses are higher than your income, you may need to explore ways to reduce your spending or find additional sources of income.
A common rule of thumb when budgeting is the 50/30/20 rule. Allocate 50% of your income toward necessary expenses, such as rent and utilities. Use 30% for discretionary spending, such as entertainment and dining out. Lastly, allocate 20% toward savings and debt repayment.
It is important to regularly review your budget and make adjustments as needed. Track your spending and compare it to your budget to ensure you are staying on track. Consider using budgeting apps or spreadsheets to help you stay organized and monitor your expenses.
Financial tips for living frugally and efficiently
Living frugally and efficiently can help stretch your budget and allow you to save money. Here are some financial tips for independent young adults with no credit:
1. Cook at home: Eating out can quickly drain your budget. Learn basic cooking skills and prepare meals at home to save money.
2. Use public transportation or carpool: If possible, opt for public transportation or carpooling instead of owning a car. This can save you money on gas, insurance, and maintenance.
3. Cut unnecessary expenses: Take a critical look at your spending habits and identify areas where you can cut back. This might include subscriptions you no longer use or reducing discretionary spending.
4. Shop smart: Look for deals, discounts, and coupons when shopping for groceries or other necessities. Compare prices and consider buying generic brands to save money.
5. Save on utilities: Turn off lights and unplug electronics when they are not in use. Adjust your thermostat to save on heating and cooling costs. Consider energy-efficient appliances to reduce utility bills.
6. Avoid unnecessary debt: Be mindful of credit card usage and avoid taking on unnecessary debt. Pay off credit card balances in full each month to avoid interest charges.
By implementing these frugal living tips and practicing financial discipline, you can make the most of your budget and thrive as an independent young adult with no credit.
In conclusion, budgeting for ongoing expenses is a crucial step in successfully moving out at 18 with no credit. By calculating your monthly expenses, establishing a realistic budget, and living frugally, you can ensure financial stability and independence. Stay motivated and committed to your financial goals, and remember that with proper planning and discipline, you can thrive as an independent young adult.
Securing necessary services
When moving out at 18 with no credit, it is essential to secure necessary services such as utilities and health insurance. This section will guide independent young adults on setting up utilities and navigating health insurance options.
A. Setting up utilities and managing ongoing bills
Setting up utilities in your new place can be a daunting task, especially without credit history. However, there are steps you can take to ensure a smooth process:
1. Research utility providers: Identify the utility providers in your area and compare their rates and services. Look for providers that offer flexible payment options for individuals with no credit.
2. Provide alternative documentation: If you don’t have a credit history, utility providers may require additional documentation to establish your reliability. Be prepared to provide proof of income, rental history, or a letter of recommendation from a previous landlord.
3. Set up automatic payments: Opt for automatic payments to ensure timely and consistent bill payments. This can strengthen your reputation with utility providers and potentially contribute to building a positive payment history.
4. Monitor your usage: Take responsibility for your utility usage and make efforts to minimize waste. Being attentive to your energy and water consumption will help you manage your bills more effectively and avoid any unnecessary financial burdens.
B. Navigating health insurance options for young adults
Securing health insurance is crucial for your well-being and financial stability. Consider the following steps to navigate health insurance options:
1. Research health insurance plans: Explore different health insurance plans available to young adults, such as Medicaid or low-cost options specifically designed for individuals with limited income.
2. Explore parental coverage: If you are eligible, investigate whether you can stay on your parents’ health insurance plan until the age of 26. This can provide you with comprehensive coverage and potentially save you money.
3. Utilize community resources: Local community centers or health clinics often offer guidance and resources for accessing affordable health insurance. Reach out to these organizations for assistance and information about available programs.
4. Prioritize preventive care: Maintaining good health can prevent potential medical expenses in the long run. Take advantage of free or low-cost preventive care services, such as vaccinations, check-ups, and screenings.
5. Establish an emergency fund for healthcare: Unexpected medical expenses can be financially burdensome. As part of your financial foundation, aim to build an emergency fund that can cover any healthcare costs that may arise.
By following these guidelines, independent young adults can secure necessary services, such as utilities and health insurance, even without a credit history. Remember, taking charge of your financial responsibilities and seeking out assistance when needed will contribute to your overall success in moving out at 18 with no credit.
Finding Affordable Furniture and Household Supplies
Moving out at 18 with no credit can be a daunting task, especially when it comes to furnishing your new place. However, with some strategic planning and a bit of creativity, you can find affordable furniture and household supplies that fit your budget. This section will provide you with strategies for furnishing your new place on a budget and explore second-hand or discounted options.
Strategies for furnishing your new place on a budget
1. Start with the essentials: When you move into your new place, focus on acquiring the essential furniture items first. These include a bed, a table and chairs, and basic kitchen supplies. Prioritize the items you absolutely need to live comfortably before spending money on décor or unnecessary items.
2. Explore second-hand options: Thrift stores, consignment shops, and online marketplaces like Craigslist or Facebook Marketplace can be treasure troves for affordable furniture. Many times, you can find quality pieces at a fraction of the price compared to buying new. Be patient and willing to put in the effort to search through these options to find the best deals.
3. Utilize your network: Reach out to friends, family, and acquaintances to see if they have any furniture or household items they no longer need. People are often willing to give away or sell items at a lower cost to someone they know.
4. Attend garage sales or estate sales: Keep an eye out for garage sales or estate sales in your area. These are great opportunities to find furniture and household supplies at discounted prices. Be prepared to negotiate and make sure to inspect items thoroughly before purchasing.
Exploring second-hand or discounted options
1. Online marketplaces: Websites such as Craigslist, Facebook Marketplace, and Letgo are popular platforms to find used furniture and household items in your local area. Filter your search and communicate directly with sellers to negotiate prices and arrange for pick-up or delivery.
2. Thrift stores and consignment shops: Visit thrift stores or consignment shops in your area where you can find second-hand furniture and household supplies. These stores often have a constantly changing inventory, so visit regularly to increase your chances of finding what you need.
3. Community groups and forums: Join local community groups or forums where people often post items they want to sell or give away for free. These platforms can connect you directly with individuals who are looking to get rid of their furniture and household items in your area.
By being resourceful and open to alternative options, you can find affordable furniture and household supplies to furnish your new place without breaking the bank. Remember to prioritize your needs, be patient in your search, and always inspect items before you purchase them. Moving out at 18 with no credit may be challenging, but with proper planning and some creativity, you can create a comfortable and welcoming space for yourself on a budget.
Building a Support Network
A. Utilizing Community Resources and Support Programs
Building a support network is crucial for young adults looking to move out at 18 with no credit. It can provide guidance, resources, and emotional support during this transition. One way to start building your support network is by utilizing community resources and support programs.
1. Research local community resources: Begin by researching community resources available in your area. These resources may include organizations that provide financial education, housing assistance, career counseling, or mentorship programs specifically designed for young adults. Reach out to these organizations to gather information on the services they offer and how they can support you in your journey towards independence.
2. Seek out support groups: Look for support groups or organizations that cater to young adults facing similar challenges. These groups can provide a safe space for individuals to share their experiences, exchange advice, and offer support to one another. Joining such groups can be beneficial as they can provide a sense of belonging and connect you with individuals who can offer guidance based on their own experiences.
3. Take advantage of government assistance programs: Government assistance programs can help young adults with limited financial resources. Research programs in your area that provide assistance with housing, healthcare, or education. These programs can provide temporary relief and help alleviate some of the financial burdens associated with independent living. Contact the relevant agencies or visit their websites to determine if you meet the eligibility criteria and learn how to apply.
B. Establishing Relationships with Mentors or Guides
Having a mentor or guide can make a significant difference in your journey towards independence. Mentors can provide valuable insights, advice, and act as a source of motivation and support. Here are some steps to establish relationships with mentors or guides:
1. Identify potential mentors: Look for individuals who have experienced a similar journey or have knowledge and expertise in areas you are interested in. These could be family members, teachers, community leaders, or professionals working in fields that align with your goals. Choose mentors who are willing to invest in your growth and can offer guidance and encouragement along the way.
2. Reach out and make connections: Once you have identified potential mentors, reach out to them and express your desire for guidance. Explain your goals and interests and ask if they would be willing to meet or mentor you. Be respectful of their time and remember that they may have other commitments.
3. Maintain regular communication: After establishing a connection, it is essential to maintain regular communication with your mentors. Schedule regular meetings or check-ins to seek their advice, share your progress, and update them on your goals. Be open to feedback and act upon the guidance they provide. Building a strong and supportive relationship with a mentor can have a lasting impact on your personal and professional development.
In conclusion, building a support network is vital for young adults looking to move out at 18 with no credit. Utilizing community resources and support programs, as well as establishing relationships with mentors or guides, can provide the necessary support, guidance, and motivation to navigate the challenges of independent living. Remember, you don’t have to go through this journey alone; there are resources and people willing to help you succeed.
Maintaining financial responsibility and continued growth
A. Staying on top of credit and financial obligations
Moving out at 18 with no credit can be a challenging endeavor, but the journey doesn’t end once you’ve settled into your new place. To ensure long-term financial stability, it is crucial to stay on top of your credit and financial obligations.
One important habit to develop is regularly monitoring your credit report. By reviewing your credit report periodically, you can identify any errors or potential issues that may affect your credit score. You can obtain a free copy of your credit report annually from each of the three major credit bureaus: Equifax, Experian, and TransUnion. Staying vigilant about the accuracy of your credit report will help you maintain a good credit standing.
Additionally, it is essential to make all your payments on time. Late payments can have a significant negative impact on your credit score. Set up reminders or automatic payments to ensure you never miss a deadline. Building a reputation for timely payments will reflect positively on your credit history.
B. Continuously improving credit and financial standing
While it may take time to establish a solid credit history, there are steps you can take to continuously improve your credit and financial standing.
First and foremost, maintain low credit card balances. Utilizing a high percentage of your available credit can harm your credit score. Aim to keep your credit card balances below 30% of the total available credit limit. This responsible utilization demonstrates that you are a responsible borrower and builds trust among lenders.
It is also essential to diversify your credit. Consider applying for a secured credit card or becoming an authorized user on a family member’s credit card. These strategies can help you build a positive credit history and diversify your credit portfolio.
Lastly, if you encounter challenges, such as missed payments or mounting debt, reach out for assistance. Many nonprofit organizations offer free or low-cost credit counseling services to help individuals navigate financial difficulties. Seeking professional guidance can prove invaluable in managing and improving your financial standing.
C. Setting long-term financial goals and aspirations
Moving out at 18 with no credit is just the beginning of your financial journey. Take this opportunity to set long-term financial goals and aspirations.
Consider saving for larger financial milestones, such as purchasing a car or saving for a down payment on a home. Setting measurable savings goals can help you stay motivated and on track.
Additionally, invest in your financial education. Attend workshops, read books or articles, and seek out mentors who can provide guidance on personal finance and wealth-building strategies. By continuously learning and adapting, you can set yourself up for long-term financial success.
In conclusion, while moving out at 18 with no credit may present unique challenges, it is entirely possible to achieve financial independence and stability. By staying on top of your credit and financial obligations, continuously improving your credit and financial standing, and setting long-term financial goals, you can pave the way for a prosperous future as an independent young adult. Remember, perseverance and dedication are key, and with the right mindset, you can overcome any obstacles that come your way. Good luck on your journey to financial independence!