I am 19 years old and as of last week, my family has decided to stop financially sustaining me and is kicking me out soon. How can I make it own my own?

Hey friend, I think I can help you. I also went to school in Canada and faced a similar situation, although not as extreme as yours. I graduated a few years ago and fortunately and I am in a very good position in life now as a result of the choices I made. This advice may be downvoted because it is unconventional, but I fully stand by it because it worked for me. Massive outperformance in your studies will solve all your problems. It can provide you with income right now through scholarships and awards, set you up for an internship or co-op opportunities in 3rd year (that WILL most likely pay better than most jobs you can get with just a high school diploma), but most importantly, it will set you up for well-paying jobs after graduation. I knew that if I didn't go to school or didn't do well in school, my salary growth year to year might be 30k, 35k, 40k, 45k, 50k etc. If I did really well in school, my salary growth might be closer to 65k, 75k, 85k, 100k, etc. I hated suboptimality. I focused extremely hard on making the necessary sacrifices today so that I could have an easy life later. I lived with the bare minimum and focused entirely on making sure I was set-up for success in the future. It just makes sense that you should do the same if you zoom out and look at the long term picture of your life. So here is what you'll have to do: 1) Figure out what you want to study. I hear a lot of people say that you should just drop out and come back later. No, I disagree. You don't magically come to the important realizations on what you want to be doing as time passes. In fact your time will be gobbled up by a crummy full-time job. You can be much more deliberate about reaching these realizations through two activities: introspection and research of what's available. Basically, think deeply about what you like to do, and see what jobs most graduates get in different majors and the career paths that follow. Seriously, I spent countless hours on the research part writing out pros and cons for a massive list of jobs - I see so many students graduate without jobs or change jobs two years later because they didn't treat the decision seriously. Nope, this isn't some random process where if you take a gap year and travel in Asia for a year you'll "find yourself" and the path will become clear. You have to do the hard work of introspection and research. Information is power. After you do enough of that, find a job that satisfies these 3 criteria for you: 1) What you like to do, 2) What you're good at 3) What pays well. If you can find a job that matches this magic triangle of criteria, you're in very good shape. Now choose the relevant major(s) to give yourself the best shot at landing this job. And if you've worked this out properly, you will have conviction and purpose every step of the way. 2) Apply for student loans (google Canlearn). Indicate that you have near 0 income and your parents are not supporting you. I was able to get more than enough to cover all my tuition, and also received grants on top of that. 3) Find out what scholarships are available and start studying your ass off to achieve them. I mean seriously buckle down and do your problem sets until they're second nature, go to every single one of your office hours, and basically let school be your full time job. Always remember this concept when you're frustrated: Nothing you learn is ever "too hard". If something is too hard, you just need to break it into smaller steps or go down a level and see what prerequisite information you were missing. It's entirely a matter of effort. The scholarships are actually not really for the money. They will be combined with your GPA to make you an ultra-competitive job candidate. It's getting late and I don't have time to proofread this response or organize it into something more coherent. But the meat of the ideas is there and again, I fully stand by everything I said. Success can be procedural.

Also google the book "How to Win at College" by Cal Newport and get it. If you can't afford it I'll get it for you. Good luck my friend.

/r/personalfinance Thread