<prompt> Human: Hello, pardon formatting Im on mobile. Some facts 1 I am 22 and I have no money 2 I finish my bachelors in July my last 2400 is going to pay for my last semester 3 getting married in September, spouse will make 50k a year he currently makes 53k I think 4 I want to be totally independent of my parents because of how they treat me have treated me. Almost considering total no contact with them. 5 I am in the USA, Illinois ---My questions: 1 what do I need to get from them before I cut it off this may not be the right sub to ask this particular question but well here we are 2 should I open a credit card to build credit? With who? Do I just call and ask to set one up?? 3 I am really bad at math but I need a budget. Any recommendations on something more visual than just spreadsheets? 4 liability or total coverage for car insurance? 5 how do I get onto my spouses health insurance? Is it legal to possibly have a 5 month gap of no insurance here in the USA? We wont be married until September but Im not ruling out courthouse marriage to avoid AHCA fines for no insurance 6 my father says he wants me to take all his antique rifles as an inheritance but he may not want to after I end contact. How do I find out if he has a will? 7 when my dad dies, who gets his life insurance? My mother? 8 how do I get life insurance? Are there different types like there are car insurance? I have a lot of questions and Im sorry for asking so many. Im just upset over a great many things and this is all I can think of presently. Thank you for your help and advice.Edited for formatting  <response>: Budgets are addition and subtraction. Your abilities in math have no bearing on whether you can do one if you passed elementary school okay. 