Everyone 18+ should do these 3 things

Three things you should immediately do when you turn 18 to set your financial future up for the most likely chance of success. Number one, a stocks and shares ISA. Once you turn 18, you get access to ISA accounts, which is a 20,000 pound tax year allowance to invest in various types of accounts to protect your money from tax. Now, why do I say a stocks and shares ISA over, let's say, something like a cash ISA, which is the savings equivalent? Well, that's because there are few ways that you can actually grow wealth long term in this country. Housing is becoming more and more affordable, and I genuinely see the stocks and shares ISA and investing as one of the few ways the next generation have to build wealth for their future. Start small, get used to it, understand diversification, time in the market and ETFs, and you will set yourself up on the right path. Number two, build your emergency fund. Now, when you're 18, you don't really need much of an emergency fund. So let's say 1000 pounds in an easy access, high interest account, which you could withdraw money from in an instant if you needed it. Like I said, at 18, you're not going to need too much money. You probably still live at home, you probably have very few expenses. So 1000 pounds is going to cover 99.9% of scenarios. For example, your car breaks down, you get a parking ticket, or you all of a sudden need to get home in an Uber. Open this account, build up the amount as you go through life, and you will be psychologically with money than anyone else around you. And number three, credit card. Now, this doesn't have to be a fancy AMEX, a credit building starter card would be perfect for you. But there's one thing you need to bear in mind, you have to pay this thing off in full, every single month to get any benefit from it. Otherwise, I would scrap this one altogether. Now, why I want you to get a credit card? Well, number one, it's going to start building good financial habits with money. You're going to get rewards for every spend. And number three, it's going to start building your credit score, which is going to set you up perfectly for the point where you might want to get a mortgage or a car finance scheme, any kind of loan in your future. So those are my three tips. What did I miss?