<prompt> Human: Im sorry if this is a frequently asked question but I am feeling so overwhelmed with all the different choices and decisions.I have a little over 10K in savings TD bank and around 27K of student debt. I make 12.5hr and work full time. Im paying the student loan at 600 every month with the help of my parents all of us putting in 200 to try and pay it off within 10 years. I pay 533 for rent and 110 for my phone bill. I plan to open a Charles Schwab IRA and get a credit card within the next few months. The problem is that I dont know my options. Where is the best place to open a credit card? Should I put my utility bills on it to build credit? Is Charles Schwab a good place for a total financial newbie? What am I not accounting for? What do you wish you had known at my age?edit: Another important factor; I have no idea how to file my own taxes? eli5 plsedit2: Thank you all so much! Ive gotten so much more advice than expected already and have a lot of good leads to go on. edit3: I absolutely will start looking into a new phone plan. Luckily this is my first plan and Ive only had it for a couple months, so Im glad you all have given me perspective on what is a good rate. Also for those asking about my degree and why Im making so little; To use my degree I would need to get at least a masters. I was an average student in a pretty competitive field because I wasnt passionate. If I dont have a better paying job in a field I enjoy within the next five years Ill go back to school.Assistant: Youre already being financially responsible by having savings, paying your loans and you know the next steps. Schwab is good, Vanguard is good. Just focus on low expense ratio funds. Credit cards improve your credit simply by existing for years. So you open them, put something small on them, and pay them off in full every month. Utilities sounds like a fine idea. As for what card, it kinda depends. If youre already repaying your student loans, you likely have a decent score already. Capital One and Chase have good cards. Just pick ones that dont have annual fees. You likely qualify for a Capital One Quicksilver or a Chase Freedom Unlimited. I picked my first cards based on sign-up bonuses and made sure I spent enough to get them.Human: This is good to hear. Im sort of in the mindset of If I dont get on top of my financials RIGHT NOW Ill be homeless and dead by the end of the year.Thanks for the credit card suggestions too!  <response>: It seems like all youre really asking about are credit cards, and CCs financials. Only thing about CCs Id add to the other advice is you better be damn sure you have discipline. They can really turn your financial situation sideways if you dont. I got mine years too early and it took me years to recover, when what I absolutely positively should have been focusing on was constantly improving my income opportunities, maximizing my savings, and minimizing how much money I spent. Nothing more complicated than that for the first bunch of years. 