I appreciate this thank you. I've been diving into the wiki that was linked earlier. Mainly looking at Roth IRA and I-Bonds and thinking about how much money I have. I already keep track of my expenses on a spreadsheet so I know if I'm wasting money, if I have enough room to spend money, etc. Not exactly budgeting but it's something.

Thinking about...
- Savings for expenses under a year (emergency fund, or if something comes up)
- I-bonds for expenses past a year (down payments on a new living situation, battery for my car, potential trips, etc.)
- IRA for retirement

Man, money things are so complicated. ;_;

EDIT: Thinking of brokerage accounts with low cost index funds too but the tax stuff scares me. I don't want to invest and then suddenly have to pay a whole bunch of taxes ;_;