At 19 I would focus less on saving/investing money now and work more on setting yourself up to start a good career in 2-4 years. I strongly encourage getting a useful college degree (e.g. engineering or nursing) or learning a trade (e.g. welding, electrical work, or plumbing). Depending on how far you have to commute, I would encourage holding off on the truck and most other forms of debt until after you have more income (if you play the game right, you should be able to make it debt-free through college or trade school, although a small amount of debt is fine). It's worth the wait--cheap trucks often become money pits relatively quickly, and biking everywhere is a great workout. It's a good habit to get into saving more now (I would avoid individual stocks and crypto until you have a lot of money you can afford to lose--long-term you'll probably be best-served with something like an S&P 500 index fund with Vanguard), but you're not realistically going to save a lot making $12/hour at this stage of your life. I'd put 5-20% of your income into savings for an emergency fund for now. When you have a better-paying job, save as much as you can in an IRA and index funds (I wish I had started this earlier--I have saved/invested about 30% of my gross income, but if I'd started investing appropriately in index funds 3-5 years earlier I would be $100-200k richer now).
