Are you American? If so, build a credit score. It'll take you 10-20 hours and make you thousands of dollars. Easiest way from a scratch: Go into your bank, de

Are you American? If so, build a credit score. It'll take you 10-20 hours and make you thousands of dollars. Easiest way from a scratch: Go into your bank, deposit money into a CD, get a secured loan against that CD. Doing this correctly will make you lots later. I just got a couple new AMEX cards with 75,000 membership reward point signing bonuses each. Those can be used for $750 in statement credits. Yes, American Express just gave me $1,500 for signing up for new cards with them. Seriously. And that's just the tip of the iceberg for illustrative purposes. Get a credit score. You in 5 years will thank me for making/saving you thousands of dollars.