Hi Welcome
I have a beautiful young niece who is going to University, although babtised she is figuring out this whole truth. It makes me happy to see the younger ones take care of their finances. I wish I could have a few years back to get ahead. (No time like the preasent)Welcome to the boards if you have any family with really old libraries go do some searching. pull the 68 and 69 awakes for a start. Very eye opening!
Sounds like you are going to figure it out!