<prompt> Human: Would love to plan for the future. Both in college right now, not a lot of debt. What should we do with our disposable income? Pretty new to this community, and Im very interested in it. Any advice or personal experiences would be very appreciated it. Should we apply for credit cards to start working on our credit scores? Anything.  <response>: 1 Build emergency fund2 Keep avoiding debt3 Dont let randos including relatives, boy or girlfriends access your credit4 If you expect to need credit a few years in the future, start building credit. Otherwise, save cash and pay cash. 