<prompt> Human: 25 year old making 1,600 a month, and bills come out to be about 950-1,000 a month.  <response>: Please read the information found in the FAQ particularly I Have X ... What Do I Do With It?! You may find Your IRA and You: Basic Information and Your 401k and You: Basic Information worth a read as well.Pay your credit card bills off in full, every month, no exceptions by the statement due date. 