<prompt> Human: Im 24 years old and I had believed I had been doing pretty well in my financial life until a discussion with a friend raised some questions.I have a salary job, 401k, emergency savings, Roth IRA and too much money in liquid assets looking into purchasing some mutual fundsstocks soon. I thought I had been doing very well credit wise. I have no student debt and my car is paid off in full. Im totally in the black, no outstanding balances except my credit card. I have one credit card Ive had for a long time 6 years which I always pay the statement balance each month. My credit score is 777. To my surprise this is apparently NOT a good credit situation. Apparently even though Im in above average standing, Im going to be in hot water when I eventually buy a house, because I dont have enough credit accounts or so Im told. Apparently my credit history is not diverse enough to be in good standing for home and auto loans later on.This whole discussion started when considering buying a PC. My friend tells me I should take out a loan. I can definitely afford the upfront cost. Id rather not owe the bank money, but would it be beneficial if I did? What other strategic moves can I make that will help me out on the long run?Is this even worth worrying about or am I in a better situation than I think?  <response>: Dont take out a loan for a computer. Buy the computer in cash.Get a basic credit card and put your cell phone bill on it and pay off the bill every month to build your credit. 