<prompt> Human: Im wandering whats the next logical step for me to take for planning my future. Im currently enrolled in college, living at home and have no debt. I have a steady part time job making around 700 a month, while thats not much I have been able to save 10k in my savings. I also have a Roth IRA with 10k Ive had it for two years and have been able to put the cap 5k in both years. Now Im wandering what my next steps should be while I plan for my future. My first thought was to get a credit card and slowly begin to build credit, yet beyond that Im somewhat at a loss on what to do next. Any and all suggestions would be appreciated, thank you.  <response>: 20 