<prompt> Human: Title says it all. I graduated 7 months ago and luckily a job at 35k the day after. I have saved 10k of that so far. I only send 20mo to my savings I believe. I want to help better managing this. I live with my parents so my expenses are pretty low. I get about 2100 a month after taxes. Do I get a credit card? What kind? Any advice is appreciated!Assistant: what are you goals? ie, do you plan to move out of your parents house soon, do you have a significant other and any chance of getting married in the next few years, would you like to live in a different citystatecountry in the next few years, etc. standard generic advice is usually pay off all debt, build a 6 month emergency fund, max out retirement accounts, see whats leftover and well go from there. if you give some more details about your life and goals over the next few years we can give more specific advice.Human: No plans to move out soon even though I would like to, Im saving a large amount of money with free rent. I am a web developer and Ive recently enrolled in a programming class to better my web dev skills Im self-taught. I live in the midwest, but Id love to get a job out in Silicon Valley. I thought becoming a good programmer would help that goal quite a bit. I have a 5-year plan to get a job there by age 28. Hopefully sooner.  <response>: Stanford, MIT, University of Illinois and others are offering basic comp sci courses online for free. I would recommend looking into those. The great thing about programming is that its really easy to get started. The Microsofts and Googles of the world will want you to have a degree, but a lot of startups and smaller companies wont care - as long as you can demonstrate that youre a decent programmer, show them something youve built, etc, they will hire you. You might be able to work remotely for a company until they are ready to commit a full time position to you relocate you to their offices.The market for programmers is insane right now. I dont know if theres a profession with higher demand these days. A lot of people dont think this market will last forever, and if you wait 5 years to try to get into the field it might be a lot, lot harder than it is now. 