Need help from someone who's good w- money. Right now I've got $4700.00 in the bank.?

There is no reason to pay daycare or rent in advance, it doesn't earn you interest or anything. If you have credit card bills or anything with high interest, then pay down those loans. Otherwise, I would put this money into a savings account that earns you good interest. (4%+ for many online banks). Not only will savings slowly grow money, but it will help you if you need emergency cash later (illness, job troubles, car repairs). Try to keep adding to your savings:).