re: Advice for a 20 year old - warning tl;dr

Im out of pocket right now, but one quick thing you can do to help you save is rework your thought process towards it. Instead of spending what you earn and saving what is left, work on saving off the top and basically work on using what money you earn to pay yourself each week. Anything you can do to systematically out away some money before it is in your spending account. I'll try and get on later to help out with your other questions, but do realize, you are only 20, most peoe your age don't even ask these questions.