<prompt> Human: Hello PF, Im not the smartest guy, so Ill try my best to be concise. Im 24, college drop-out I REALLY do want to at least finish by AA with about 700 bucks to my name. Most of my money goes to food and gas for my job, minimum wage retail. I also pay for some improv classes, but those are almost done. Ive never had a credit card, nor have really applied for one. I want to start building credit, and save money to move out with some friends. I really feel as though I should have all this figured out, but I dont, and that makes me really scared. I want to be self-sufficient, and be able to call myself a man. Any tips would be grateful.  <response>: First, stop wrapping your identity and self-worth up in your finances. Youll have a better relationship with money if it can be relatively neutral and unemotional. Next, read the Wiki. Theres plenty of good advice in the Prime Directive and 18-25 articles to get you started, and then you can dive deeper into the other topics as you have time and interest. You have a goal, so break it into small steps, research whats necessary to achieve each piece and make a plan. Increasing your income and decreasing your expenses will help you have more money to work toward your goals. 