<prompt> Human: Alright so I moved to Baltimore mid-December of 2013. I just recently got a job as a Bakery Assistant making 7.75 hr I know, horrible, but its keeping me with the people I loveHere are my bills as of now:350 rent month60 utilities month60 food month 420 month800 debt owed to girlfriend who said I can take my time paying her backI recently opened up a PNC virtual wallet account, which I will only use the checking account for rent, utilities, food, and eventually debt.Ive also opened up a Barclays Dream Account 0.95 APY for a long-term emergency account, and an Allys High Yield Savings Account 0.87 APYRight now Im only working 25 hours a week, although my employer told me hed be giving me any hours that open up until I reach my goal 40 hours weekBasically just looking for advice since Im just starting with maintaining my money responsibly, and I have no clue what Roth IRA, Traditional IRA, 401k, etc. is. About to open up all Commonly-addressed topics for this subreddit in a bunch of tabs to read up onAny helpful information would be great, thank you!Edit: My employer also said if I keep working how Ive been that Id be getting a pay raise since I have no prior experience in this field and Im doing well so far.Edit 2: Also, I would like to consider getting a credit card in the near future, but I am not a student, and have no credit that I am aware of.  <response>: Keep your hours as low and as consistent as you can. If you can work 15-20 hours the same daystimes every week, you could then grab another higher paying second job. Third shift usually pays better, and will also have steady hours. Something like a Target or Walmart. No shame is starting small, weve all done it. Its not forever. Bonus, you know your girlfriend isnt with you just for money, so you got that going for you. 