<prompt> Human: I moved to the US 2 years ago on an L1B visa where i was still based in my home country not US payroll but spend 90 of my time in the US and change locations based on projects. I have an SSN and my employer covers all my expenses I stay in corporate housing when im in the US and my US taxes while i pay taxes back home.The situation will change in the next few months, where i will be switching to US payroll and will need to start paying for all my expenses and taxes. Since everything was paid for i have been putting off lazy a lot of basic stuff and now i am trying to understand how PF works in the US; i started applying to a driving license and need to open a bank account and start building a credit score etc...I am fortunate to have a good paying job and savings making me financially secure but i want to minimize cost as much as possible when im kick starting my life in the USWhat are some tips you suggest or unforeseen expenses that i should look out for in the beginning? ex: Ive never had a US credit card or paid bills here so i am not sure what my credit score will be, which bankCC do you guys recommend?ThanksAssistant: Dont go to the emergency room unless you are fairly sure you are dying. Even if you have insurance you will likely have a substantial deductible and could end up with a multi-thousand dollar bill just for walking into the door of the ER.Human: learned that the hard way once where a 10 min visit cost me like 500 USD  <response>: And 500 is honestly really cheap for the ER. 