We're all at that point in our lives where establishing a savings account is important. Ive tried sitting down and talking to bankers but they dont seem honest. I looked into cryptocurrency but theres a lot of scams there too.
Any advice on honest investing and savings?
You're not going to accomplish any real investing with a savings account. They're averaging about a 1.5% return rate right now. Savings accounts are pretty good for storing funds that you will/might need in the short term (i.e. emergency fund, etc.), but not as a long-term investment.
If one is available to you, a 401K makes much more sense, especially if your employer will match your contributions. If a 401K (or comparable retirement saving plan) isn't available to you, ... you might consider an IRA. These types of accounts will allow you investment options from that similar to a saving account ... to mutual funds which could make much more for you (if invested wisely).
You really need someone to talk to whom you trust ... who has the requisite expertise to guide you.
There are plenty of folks out there offering this information for free. Don't pay for it, ... at least, not at first ...
The following site looks like it has some good basic information ...
Save and Invest | Investor.gov
The principles I followed ... which earned me a modicum of success are these ...
1.) Spend LESS than you EARN
2.) Avoid the use of CREDIT cards
3.) If buying on credit ... a house, a car, etc. ... get the lowest interest rate available. I felt successful in this if I kept my interest rates at 5% or below. Today, I average about 3% or below.
4.) Handle your finances well. Pay your bills on time. Good financial management will pay off in lower interest rates for credit.
5.) Be prepared for catastrophic circumstances (i.e. save for a rainy day). Keep a Health insurance policy. Keep good vehicle insurance.
6.) Stay out of trouble.
7.) Invest 5% or more of your income in blue-chip (i.e. established stocks ... Amazon, Apple, IBM, Walmart, etc.). Once again, such investment should be part of a trusted investment plan (i.e. 401K, IRA, etc.)
8.) Begin to pay attention to how financial markets work (i.e. good times to invest vs. bad times to invest).
9.) Keep working and be patient ...