Parents Live Beyond Their Means

OP I think the only advice about finance that anyone on this board is really able to give you right now is: if you are serious about being independent, you may need to look into it more. And it seems like you are doing very well in high school, so consider what you would have to do (with SAT or whatever) to make college as free or cheap as possible.

If you have other broader questions, people on this board will do their best to help.