<prompt> Human: My apologies if this is a really common question posted on here. Its my first time posting on rpersonalfinance and Ive got a bunch of questions.A little background: Im a 21 year old rising senior in college who has accumulated quite a bit of debt recently. I owe a combined 1560 on a Bank of America credit card and PayPal Credit. This will all fortunately be paid off by the end of the month since I have a job this summer and no other expenditures but paying my debt down. At the end of the summer I should be left with 2000-25000. Im planning on closing my BofA account because once I graduate therell be a maintenance fee. What alternative bank should I look intowhat are the best options for a 21 year old about to enter the workforce?At what point should I start saving for retirement? It feels a little early to think about it at this age. What are the different types of bank accounts I should have? Is it just a checking and savings? How much should I put into savings every month?How do you break down expenses per month? As in, what percent of your monthly income should you put towards rent, groceries, car payment etc?  <response>: I am not very qualified to talk about finances, but the two pieces of advice I would give are:1 Consider a local credit union instead of a bank.2 No, its not too early to start saving for retirement. 