How did you get your first job? Apartment/house? Dating?
I ask because I really only did so after years of bouncing around from colleges, summer abroad programs, living with friends, and really just use Zillow or StreetEasy to look.
(I also ask because I want a distraction from the world that isn’t entertainment or documentary/non-fiction and often daydream about what things I could have done different had I known things - real life skills - earlier.)
Agree with everyone about cc debt but one addendum:
If you have a level head, go for the max limit allowed. Follow all other advice and auto-pay the statement balance every month no matter what. Never carry a balance, never pay a dime of interest.
A high limit can come in handy for a once in a lifetime emergency expense where the debt is somehow not as bad as whatever problem money can solve. It also boosts your credit score if you are ever in a position to buy property - the agencies like to see that “this person only uses 2-5% of their credit limit”.