So I'm 20, in the US (California to be exact), and I'm planning to (secretly) move out of my parents' house sooner or later. I have a plan and all that, but I'm a bit anxious since I know nothing about finance. I was never taught about it at school beyond some surface-level vocabulary words (no personal finance. Only like how econ is related to governments and all) and I grew up with a dad who thought he was being selfless by making sure I never had to think about money ever. Mix that in with some good ol' learning problems and I'm clueless about money

Here are some things I learned to give an example of what I mean when I imply I'm absolutely clueless:

• Apparently taxes will sometimes differ from each store I buy from. I have not learned how or why each store has a different percentage (I thought it was by state), just that it sometimes does
• Also, groceries don't have taxes, but they tend to cost more than the pre-packaged stuff
• Speaking of taxes, apparently if you make enough for them you can completely ruin your parents' taxes if you forget to communicate with them. Luckily, I didn't have to learn this the hard way, but I suddenly realized why people who were keeping their jobs a secret from their parents were concerned about making too much
• Credit cards are like a loan that you are forced to pay monthly. I legitimately thought the money was directly transferred from your bank account to the card, but no, it's from this storage in the bank that they have where they take your and everyone else's money and lend it to others
  • This was also why I was so confused as to why the banks collapsed right before the Great Depression
• A lot of things only take credit cards. For example, paying a house via cash is literally impossible, which is why you need to rely on a bank (to my disappointment). In fact, living bankless will only cause more problems than it does save money
• I figured out what a lease was. No one taught me that and I never sought to learn it until I was asking for apartment rooms

I'm lucky in that I'm not paying any sort of bills or insurance, and that I'm still reliant on my parents for that. However, I really want to get away from them, even though I would be tied to my parents' insurance plans and all. (I don't think they will ever kick me out of them, no matter what I do.) I don't want to be thrust into something that's difficult to reverse, so for those of you who are older and know what you're doing, is there any finance advice you recommend? What should I expect money-wise when I move out? What has been a regretful decision you've made and what has worked for you?

Resources are also nice, though I'm wary of books that are only found online and thus, I need to pay to see what's inside.

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In a few weeks, I'll be making a short trip (3 days) to Palo Alto, working in the Stanford Medical Center area.

I'm hoping for some local or experienced insight into "don't miss" destinations for food, culture, history, and sight-seeing. It's likely I'll only have Sunday afternoon and weekday evenings free, so the personal tour may have to be more focused than local guides might otherwise suggest.

My home area has great food, but I'm really starving for Eastern cuisines. I'm willing to go beyond what a corporate travel budget permits if there's truly extraordinary, "can't get anywhere else" dining available.

Your insights are greatly appreciated!

For those of you who are new I usually post awards predictions from time to time. Some people seem to like it, at least when it was just a handful of active users.

Anyways these are predictions I currently have for “the guilds” meaning industry awards that are not the Oscar’s. Segmented by different unions. They usually are more populist than the Academy, due to many members being from the TV and commercial world. Whenever there’s an artsy contender that they avoid, the Academy nominates it anyway (Drive My Car, Triangle of Sadness, Phantom Thread being some recent examples that come to mind).

Producers Guild of America Awards (PGA):

1. The Holdovers
2. Killers of the Flower Moon
3. Oppenheimer
4. Dune: Part Two
5. Barbie
6. Past Lives
7. The Zone of Interest
8. The Killer
9. Saltburn
10. Mission Impossible: Dead Reckoning - Part 1

Directors Guild of America Awards (DGA):

1. Martin Scorsese - Killers of the Flower Moon
2. Christopher Nolan - Oppenheimer
3. Alexander Payne - The Holdovers
4. Denis Villenueve - Dune: Part Two
5. Greta Gerwig - Barbie

Writers Guild of America Awards (WGA):

Original:

1. The Holdovers
2. Past Lives
3. Saltburn
4. May/December
5. Air

Adapted:

1. Barbie
2. Killers of the Flower Moon
3. Oppenheimer
4. Dune: Part Two
5. The Killer

Screen Actor’s Guild Awards (SAG):

Ensemble:

1. The Holdovers
2. Barbie
3. Killers of the Flower Moon
4. Oppenheimer
5. The Color Purple

Lead Actor:

1. Paul Giamatti - The Holdovers
2. Cillian Murphy - Oppenheimer
3. Leonardo DiCaprio - Killers of the Flower Moon
4. Colman Domingo - Rustin
5. Barry Keoghan - Saltburn

Lead Actress:

1. Margot Robbie - Barbie
2. Greta Lee - Past Lives
3. Natalie Portman - May/December
4. Zendaya - Challengers
5. Fantasia Barrino - The Color Purple

Supporting Actor:

1. Robert Downey Jr. - Oppenheimer
2. Ryan Gosling - Barbie
3. Robert DeNiro - Killers of the Flower Moon
4. John Magaro - Past Lives
5. Dominic Sessa - The Holdovers

Supporting Actress:

1. D’avine Joy Randolph - The Holdovers
2. Lilly Gladstone - Killers of the Flower Moon
3. Emily Blunt - Oppenheimer
4. Julianne Moore - May/December
5. Taraji P. Henson - The Color Purple

American Cinema Editors Awards (ACE):

Comedic Editing:

1. Barbie
2. The Holdovers
3. Next Goal Wins
4. Poor Things
5. No Hard Feelings

Dramatic Editing:

1. Dune: Part Two
2. Killers of the Flower Moon
3. Oppenheimer
4. Past Lives
5. The Killer