<prompt> Human: Im 23. Recently had a wake up call when I realized I didnt even have a credit score.As the title states. I say at home with my son and my husband works. Do I need a credit score? Do I need to set up a retirement account just for myself?What do I need to know?Thanks.  <response>: Try to keep some skills, too, just in case. My parents got divorced from a SAHM situation and was tough for my mom to find a good niche. Best to have some work skills in case for some reason youre on your own in the future or simply want to get back to work. 