This is financial advice that everybody should know before starting university.

This is financial advice that everybody should know before starting university. One, opt out of things that you're not going to be using. Go online, go to your school, tuition, read the fine print of everything that your tuition covers. There's usually things in there that you're paying for that you don't need to pay for. You can opt out of healthcare if you already have some. My school has a legal services. I don't find myself getting in trouble. I've never needed that before, so I opt out. Also, if you drive a car, you don't need a bus pass, so you can opt out of that as well. Next, everybody should have a credit card. I can't stress this enough. Whatever bank you bank with right now, find the credit card that has zero annual fees and gets you cash back. That's where you're going to start. Hopefully you're going to find one with the lowest rate possible. You're going to use this credit card for literally every single thing. You're going to pay all your bills on this credit card. You're going to pay for your Apple music with this credit card. You're going to pay for your groceries with this credit card. This is going to teach you how to actually use a credit card and build up your credit score while also earning cash back. Next, you're going to use your student ID to save on brands. As soon as I became a finance student in university, I canceled my Apple music subscription and then I did again but this time using my student ID and that way instead of paying 12.99 a month for Apple Music, I paid 5.99 a month for Apple Music and I did this with all of my subscriptions. Your student who uses Apple, they also have the student education saving thing. It usually happens between the end of August and the start of September. This is when I purchased my MacBook. As long as you have your student ID, you're going to save a lot on actually purchasing whatever technology you need for school and then also they've thrown in a free deal as well. So I got this MacBook for a good chunk off and then I also got my iPad 4s for completely free. And if you're someone who's getting an iPad, then you can get an Apple pencil free. And then last on the list, you're going to open a high-level savings account. This should cost you no extra money whatsoever. You're going to open one anyways. The difference between a traditional savings account and an high-level savings account is it literally just collects more interest. So instead of earning a fraction of a percent on a traditional savings account, you're going to put all of your money into a high-level account. That way it's going to be earning you more interest. This is where I keep my emergency fund. If you guys would like me to make a video video about how to actually structure your emergency fund and exactly how much each person should have been that. Make sure to comment that down below. Say this video for later. Also follow me for more financial advice from your favorite.