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Credit cards are not evil. They are a tool. Rich people use them to earn rewards. Poor people use them to go into debt. Learn which one you are doing.
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The best investment in your 20s is not a stock. It is a skill. Build something valuable, then invest the income from it.
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Your credit score is your financial reputation. Protect it like it is worth money. Because it is.
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I started a YouTube channel in college about credit cards. I made more from that channel than I would have made from any internship.
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Most 22-year-olds are broke not because they don't earn enough. It's because no one taught them what to do with what they earn.
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Index funds first. Everything else second. The complicated stuff only makes sense after the boring stuff is set up.