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Yep, that's the catch! You have the knowledge, but who's gonna let a 10-year-old open an investment account? Or who's going to believe that a presumably middle-of-the-pack 4th grader suddenly unlocked the secret to mRNA vaccines?
I'm with you, I think identity theft is probably the easiest way to start out (especially back then when it was so widespread, and not as many people knew what to look out for) but it becomes one more secret to have to keep covered up that can screw you over later if found out.
Just spend 8 years planning. By the time you'd be 18 you'd still have 15 years of events before your knowledge caught up. I'd expect the trickiest part of it all would be making sure whatever you do doesn't alter the timeline. One mistake and it won't matter what you know if the course of history changes.