Getting your first credit card is like moving into your first apartment: It’s exciting, empowering — and, once you get used to it, pretty underwhelming. Your first time out, “you’re not going to have a credit card that is going to have a high limit,” says Paul Golden, spokesman for the National Endowment for Financial Education. … Continued

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“Ask Brianna” is a column from NerdWallet for 20-somethings or anyone else starting out. I’m here to help you manage your money, find a job and pay off student loans — all the real-world stuff no one taught us how to do in college. Send your questions about postgrad life to askbrianna@nerdwallet.com. Sure, your college … Continued

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Before Janene Tompkins’ son, 21, left home to move to New York this summer, he asked his mom, a certified financial planner in Durham, North Carolina, for money advice. “He asked me if he should be establishing credit and how to get his own credit card,” Tompkins says. She explained to him how credit scores … Continued

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