<prompt> Human: Dropped out of college and now Im a truck driver. The amount Im making is kinda hard for me to process. Im taking home 1000 a week after taxes and insurance but... what do I do with it? My gf and I live in pa and want to move to fl she has 1500 saved and I have about the same. I drive a 1980 camaro so Id like to get a new car at some point. However my credit is garbage 400 so finding an apartment will be difficult even though paying for it wont be a problem. Do I invest? Do I throw it in savings? Do I hide it under the mattress? Im financially responsible enough to know not to go blow all my money on shit I dont need. Im pretty frugal but Im 21 and not sure how to adult yet.Assistant: Im financially responsible enough to know not to go blow all my money on shit I dont need.So why is your credit score 400?Human: It was a year ago. I was between jobs so I got a credit card because I was so poor I was eating bread from walmart as meals. I accumulated 375 in debt and it has just slaughtered my score. It was 700.Assistant: A 375 debt dropped your credit rating by 300 points?Human: That and neglected student loans  <response>: Yeah, thatd do it. 