<prompt> Human: Hey guys, Ive lurked here for a while, and I have finally decided to post a bit about me and to see if i can get some help with a few of my questions.Ok, so here is the basics of my current situation20 years old, Been employed 4 weeks, 9 an hour before taxes, just started a bank account with 220, with 25 in savings, rest in checking.Work situation: ok, so my work situation is kinda odd from what seems normal, but Ill try and explain it.I started working at a local computer repair store in my town. I have known the owner for 10 years. I started working there a few days after thanksgiving, but was working as an unpaid intern up until January 15th, where i was put on payroll for 9 an hour. I spent about 100 or so hours working as an intern before they put me on payroll. Right now i am comfortable working for 9 an hour, as the arrangement I made with the owner is I offered to work as an unpaid intern to learn the job until one of the current employees planned to quit. I knew that one of the current employees planned to quit early 2018, and i now have an exact date, which is end of march. For my first two weeks, i was working six hours a day, five days a week, but now they have me at four hours a day, five days a week, since they said they are unable to keep payroll up for me for what i was working. I have yet been able to talk to my coworker as to how much he is currently making working there, and that is a future goal so i know what i should expect when i go full time at the end of march.So my first question is, what is a respectable hourly wage for an entry level job working as a computer repair tech?I also just opened up a bank account with a credit union in my area. I chose that because my grandparents have accounts with the credit union and I was able to get a free savings and checking account through them, since I am a family member. Like i said, i currently have 220 pretty much almost all of 1 of my first weeks worth of a paycheck put into the account, with the minimum 25 in savings to have an account, and the rest in checking. I am currently waiting on my debit card to arrive. The credit union I have a bank account with does have a credit card, and I would like to get a credit card, so I can start using it rather than cash to get my credit score started, but I was unsure if signing up for the credit unions credit card was the best option.So my second question is, what should I do about getting a credit card, which one is best for me? what precautions do I need to take when looking for and signing up for a credit card? Did i make the right choice setting up an account with a credit union rather than a standard bank?So, as of right now, the money I am making working 4 hours a day is more or less spending money for me, and i plan on getting actually situated once I start working full time at the end of march. I am setting some of what i make now aside, and plan on putting it into my saving account as a emergency fund, but like i said, the money i make from now till the end of march, i havent made any long term goal for it. I have reliable transportation, reasonable insurance costs for my age, and the option to buy a vehicle from my Dad at just the expense of registration. If yall have any more questions, Ill do my best to answer them.So my third question is, what am i doing right? what am i doing wrong? What advice do you guys have for me, so i can catch up for the two years 18-20 that i just straight up wasted?  <response>: Ive been on my own since I was 17, a good thing to do is wait for a credit card with a shitty interest rate and get it anyway. You use it a few times a month and pay it off immediately to build credit. If you plan on going to school, they will send you an application for one thats not awful because they prey on students sadly.Credit cards are bad ideas if youre not smart with your money. Get one for an emergency through a large bank, use it how I stated earlier until your limit get bigger. If you have any TLDR questions, I can help. Im now 26, have a finance degree, and have been fully independent since 17 and I can answer any questions you have and warn you about mistakes to look out for. 