<prompt> Human: Im thinking of working 10 hours a week during university to have some spending money minimize loans. But then the more i think about it, im graduating in 2 years so if i just spend whatever i want from a credit card it will only be 1.4 times as much when i pay it back.If i get a job now ill make minimum wage 10.25, while ill make at least 3 times as much after graduation CS major, already have an offer. Am I thinking right about this? Is working and not going in debt literally a waste of my time?I do think the same idea is applicable for just saving in general. Should I really save money if i can right now if it will only be such a tiny fraction compared to saving later?  <response>: Dont spend money, especially on fun, before you earn it. Youre never going to get ahead financially with that attitude. 