Having a poor score can make your life more challenging (like getting approved for loans), so it’s good to start monitoring your scores for free, while correcting and improving your scores.
Make Your Savings and “Life Happens” Funds Work For You
This doesn’t mean investing in stocks or index funds (you could later once you have a good buffer saved), but you should still collect some interest on that money. That way, you’re building some extra cash while it is sitting in savings.
Plan for Retirement ASAP (Even If You Can’t Contribute Much)
Your company 401k (or if you use an individual IRA), should be started as soon as possible. Even if you can’t afford to put much in or you don’t really understand how it works, just get started.
The debt crisis in American only continues, whether from student loans or high interest credit card debt, most people will have some in their lifetime. The best thing you can do is start to pay your debt down with a payoff strategy you choose.