<prompt> Human: Im 18 years old looking to change my habits and invest in my future. I recently turned 18 and have almost no idea how to getuse a credit card effectively, or which savings accounts are right for me, and anything else I might be missing to help me strive for financial growth. Im in California if that makes any difference.I currently make around 850 a month at a well known Mexican fast food chain. I pay no bills, no gas, basically I have that 850 to spend on whatever I want. Ive started investing a little with Acorns, but besides that and putting 100 every paycheck into my savings account, I consistently blow the rest of my money on cigarettes and fast food for me and my girlfriend. These are habits I want to change or at least drastically cut back on and put that money to other, more helpful solutions.I have a couple of questions as well as any other helpful tips. First off, whats a good savings account for someone in my position? My main account is with chase so I thought it only makes sense to open my savings account with them, but after doing some reading I realized that might not be my best option. Second, which apps are there that might help me budget my money more easily? I tried Mint but the app sucks. Also, would it be smart getting a credit card to start building credit, and if so which cards are good?Thanks in advance for any tips!Assistant: First off, good for you for thinking about this stuff at 18 years old.I think you should really reconsider your smoking habits. Not only are they expensive now, but down the road your health insurance and general healthcare costs will be much higher than if you were a nonsmoker. Quitting will suck but your life will be so much easier financially without that burden.To start, I wouldnt worry about investing. Instead, Id focus on building a solid emergency fund. More info can be found in the wikis sidebar, under the Prime Directive tab. Many people recommend online savings accounts, such as Ally or Capital One 360, as they are easy to use and their interest rates are very high for savings accounts. For budgeting, Mint is typically the go-to, but many people recommend You Need A Budget YNAB. The envelope method of budgeting may work well for you too. At your ageincome, getting a secured or student credit card will be the way to go. IIRC Capital One and Discover offer decent student credit cards. Just be sure to spend money on the credit card responsibly and to pay it off in full each month.Human: Thank you so muchSmoking eats up a large portion of my check every month, almost 250 a month goes to it. To be honest, I dont see myself quitting in the near future, but Ive taken the steps to cut back dramatically and saved about 70 from it this month, so going in the right track!  <response>: Youve gotta quit smoking ASAP. 