<prompt> Human: My parents never really gave me much advice except to save. I dont know how to start on this goal. I am in my last year of college, 3k in loans, with a salescommission job that pays very well but never consistently. Where do I go from? What are the merits of renting vs buying? I currently have a student bank account that my parents have access to. I am thinking of opening my own account to start establishing good credit. Any and all advice is welcome!  <response>: Do you have a budget? If not, then start there and then read the sidebar and the FAQ. There is mint.com, YNAB, or one of the spreadsheets on the sidebar. 