<prompt> Human: Ok, this is pretty much an all inclusive look into my mind as of today. I struggle with bills and money. Im currently a licensed EMT and a Paramedic student. Just to give you an idea of what Im doing in life. My question is this: Financially, what are my best options? What can I do to set up a future on the foundation Ive so meticulously build for myself. I have no debt. Absolutely none. As well as a 0 credit score. I do not have a bank account for no particular reason. As of June I will be living at a fire station where I volunteer and serve my community. Rent is free and I will still be free to work and make money. I willBe fortunate enough to have no expenses as my family pays my car insurance and my cell phone bill. Where do I go from here? What would you do? EDIT: fixed an annoying formatting issue.  <response>: Well if it were me in your position... First Id open up a bank account plus a savings account, get a debit card, and some checks. Build up a safety net of money. 6 months of living expenses is a good way to go. Even though your living expenses are relatively low, itll be good to have a back up plan as you never know what will happen tomorrow. From there Id get a secured card from Capital One. It is a credit card you provided collateral for upfront. Basically you give them 200 dollars, and they give you a credit card with a 200 dollar limit. Use it for gas for the first couple months and make steady payments on it. Eventually youll probably want to rent an apartment or buy a house. Having an established credit history is essential to getting a renters app accepted or decent interest rates on auto, home, or personal loans. As a side bar Id set up a for fun savings goal. Something like putting extra money aside for a trip to wherever. Youd be surprised where you could fly to and stay for a week all over the world for 1000 to 1500 USD. Im doing a trip to Europe for a month this year and my base expenses will cost me 2k. Or whatever your personal hobbys interest are set a goal so saving is a little more fun. Also side bar, be responsible with your credit. Do not screw it up. Banks threw money and credit lines at me when I first started using credit. I screwed up my credit but finally Im back on track. Life is easier when you dont have to fix your credit mistakes. Any questions let me know. Good luck and awesome for you being an EMT. Takes a special breed to work in that field. 