I’m turning 21 by the end of this year. So far I’ve only had one job working full time prior to college. After I quit I had enrolled in a community college where I’ll be transferring next year. I live with my parents so I don’t have any rent demands, but I occasionally use money for groceries and some errands.

I have no car which I’m not bummed about as it requires a lot to maintain. I mostly stay home. I have an emergency fund of $6,000 saved up, $800 in index funds and stocks, and about $12,000 saved how I choose to spend it, whether it’s college or not. No debts to my name and currently unemployed.

I haven’t spent much over the past couple months. I’m paranoid on being broke or entering debt, and also I’m paranoid on not having money ready during these times. Am I in a good position?