<prompt> Human: Im 18, Ive never had a job, and I dont have a credit card. I do have a savings account and a debt card.  <response>: Create a budget to track your expenses and your income. May not be a lot to track while in college, but making budgeting habitual will help you a ton after you graduate. Dont jump into credit cards without learning about responsible credit use. PF has some great resources for this. There are ways to build credit while in college, but its also very, very easy to rack up a ton of debt if you dont know what youre doing. Create good relationships with your professors, especially those in your chosen field. When youre preparing to graduate, they may be able to provide you with advice, or even leads on positions if needed. 