<prompt> Human: So its done. I finally finished paying off the 9K of credit debt I racked up in my early 20s. My lesson is learned, bad habits curbed, credit score improved and I am excited about the next phase.However, I am nervous and at a loss for the best next-steps. Obviously there is saving and I plan to make this my primary focus, but what about investing? Better credit cards? There are so many articles for advice that seem more promotional than helpful. Has anyone been here in the past? What advice would you offer to yourself at this stage? What mistakes did you make?  <response>: Follow Dave Ramseys baby steps-Step 1 - Save 1k for emergenciesStep 2 - Pay off ALL debt other than the mortgage.Step 3 - Save 3 to 6 months of living expenses.Step 3b - If you want a house, start saving for down payment 20Step 4 - Start saving 15 of income towards retirement.Step 5 - Start saving for childrens collegeStep 6 - Pay off your home mortgageStep 7 - Invest further. 