<prompt> Human: So Ill start of by saying I have never been taught how to manage money because i didnt really have any. My parents always paid for everything and they never really taught me how to properly handle finances. But after being on my own for around almost 3 years, i managed to save up around 35k on my checking account. I do no pay rentmilitary or make any car payments. All my money pretty much goes to what im going to eat for that day or if i feel i need to buy clothes or hygiene stuff.I feel like that much money just sitting on my checking account is going to waste, i feel like i can get more out of it. Anytime someone talks finance with me i just feel completely stupid. With APR, equity, mortages, loans, line of credit, I HAVE NO IDEA WHAT ANYTHING MEANS IN TERMS OF FINANCES. So how do i get the knowledge for handling my finances? Few questions i feel embarrassed to ask but what the hell:1. Difference between savings and checking account?2. How to built credit from nothing?3. How to go about buying my first car?Any help would be appreciated because this has been eating at me for a while.  <response>: Im not going to be much help with 3, but I can give some advice on the first 2.1. The main differences between a savings and checking account is that savings accounts have slightly higher interest rates which is good, but sometimes have restrictions on how many transactions you can make per month. Checking is what you would want to use to pay your day to day expenses and the like. Saving is a slightly more secure, higher interest place to put your savings.2. Getting a credit card is a pretty good start. Just make sure to get a credit card that isnt going to charge you interest, and make all your payments promptly. If you get a card that doesnt charge a yearly fee, and dont let payments get overdue and accumulate interest, then youre essentially getting credit built for free. If you use a card that offers cashback or rewards, then youre essentially getting free money as well. 