I started on Beehaw, moved to Lemm.ee, and am now moving to LemmyWorld (all as 108beads). The reason is technical issues with what tools are allowed to me for modding tasks. The communities I mod are on LemmyWorld, so my account needs to be on LemmyWorld.
And for heaven’s sake, start an investment retirement account now. Yeah, I know, “but I’m not making enough, but there’s that shiny thing in the (online) store window, but I’m never going to get old.” Just allot one take-out coffee’s worth of spare change per week. You can up the ante later. Let the miracle of compound interest do its thing.