<prompt> Human: Hello Reddit!I am 21 years old, attending a University senior year in the next few months. I have about 600 saved up, no credit cards and just a debit card from Bank of America. I do plan on working over these few months before school, and as well as a part-time job during school.Overall, I want to get and build credit, grow my income, and save up as much as I can for investing - however, Im not sure what the best options are.Thanks!!  <response>: To grow income: - Work. I dont mean that in a mean way. Thats pretty much the option. Work as much as you can, and save as much as you can. Create a budget of your month to month expenses to make sure you spend within your means, and to figure out how much you can save. To build credit: - Youre likely going to need to start with a secure credit card, wherein you put down a deposit which usually becomes your credit limit. Then after a certain period of responsible credit use usually a year you get your deposit returned and your secure card usually becomes a normal credit card. You may also want to look into a student cardThe Discover IT student card is a popular one. This is a regular card with rewards, but not sure if youd qualify. No matter what, youll have better luck if you have income. So Id focus on the job first, then on building credit. 