Everything, filed.

A checking account keeps your money safe and lets you pay by debit card, online or by app.

Checking is for money you spend: your debit card, bills and payment apps.

An overdraft means the bank paid for something you didn't have the money for, and usually charged you a fee.

Write down your monthly take-home pay, list your bills and spending, and subtract.

Start with a small first goal, sized to the kind of surprise bill you've actually had before.

Set up a recurring transfer from checking to savings that runs on payday, so you save before you have a chance to spend it.

Your credit score is a number that predicts whether you'll pay a loan back on time.

Get your free reports at AnnualCreditReport.com, then go through each one for accounts you don't recognize, wrong balances and late payments that aren't yours.

Dispute the mistake with the credit bureau that shows it, online, by mail or by phone.

A credit card's interest rate is the price you pay for borrowing, written as a yearly percent called the APR.

A debt collector has to tell you who you owe, how much, and how to dispute it.

A payday loan is a small, short-term loan due on your next payday, and it's very expensive.

A W-4 tells your employer how much federal income tax to hold back from each paycheck.

Many people can file a federal return for free.

The IRS starts most contact by mail.

The FAFSA is the free federal form colleges and career schools use to decide your grants, work-study and loans.

An aid offer mixes money you keep (grants and scholarships), money you earn (work-study) and money you pay back (loans).

Scholarships are gifts you don't repay, and finding them is free.

Federal student loans come from the U.S.

When federal loans come due, you choose a plan: a fixed monthly payment, or one based on your income.

The premium is what you pay every month just to have insurance.

If you're under 26, you can usually stay on a parent's plan.

Nearly every state requires liability insurance, which pays for damage and injuries you cause to others.

Your landlord's insurance covers the building, not your stuff.

Money you invest earns a return, and then that return earns a return.

A 401(k) or 403(b) is a retirement account through work, paid straight from your paycheck.

An index fund tries to match a market index instead of beating it.

There's no such thing as high guaranteed returns.

Know your budget and financing before you shop, get an independent mechanic to inspect any used car, read the Buyers Guide on the window, and compare the total cost, not just the monthly payment.

Honest employers never make you pay to get a job, and never send you a check to deposit and then ask you to send some of it back.

A resume is a one-page sales sheet for one kind of job.

Almost everyone starts with no work history.

An interview is a conversation to see whether you and the job fit.

When they say "Tell me about a time when…," answer with a short story: the Situation, your Task, the Action you took, and the Result.

Send a short thank-you the same day, or within 24 hours at most, even if the interview didn't go well.

Gross pay is what you earned.

When you start a job, you usually get a short window to pick health insurance and join the retirement plan.

Under federal law, most hourly workers must get at least $7.25 an hour and time and a half for hours over 40 in a workweek.

Ask for a short meeting, bring a list of what you've delivered and what similar jobs pay where you live, and name a specific number in the typical range.

There's no one right path after high school.

A Registered Apprenticeship is a paid job with a mentor, classroom training and wage increases as you build skills, ending with a nationally recognized credential.

If you earn $400 or more from self-employment or gig work, you generally owe self-employment tax: 15.3% for Social Security and Medicare.

Add up rent plus utilities and compare it to your monthly income.

Fake listings copy real photos and ask for money before you've seen the place.

Read every page before you sign.

Federal law bans housing discrimination, your state sets most other tenant rules, and if a screening report gets you denied you can see and dispute it.

Most roommate fights are about the same few things: sleep, noise, guests, cleaning, food and money.

Clean, separate, cook, chill.

Read the care label, sort by color and fabric, treat stains before you wash, and check for stains again before anything goes in the dryer.

Mold grows wherever things stay wet.

Find the main water shutoff and the breaker panel before anything goes wrong.

Most running toilets come down to a worn flapper or a float set too high.

Press the test button on every smoke alarm once a month, and replace the whole alarm 10 years after the date it was made.

Your owner's manual has the schedule your car actually needs.

Gloves and eye protection on.

Get somewhere safe and level, loosen the lug nuts before you jack the car up, and tighten them in a star pattern.

Enter your 17-character VIN at NHTSA.gov/recalls.

Safety first: call 911 if anyone's hurt, move out of traffic if you safely can, then trade information, take photos and notes, and call your insurer.

Keep the fridge and freezer closed, unplug electronics, and never run a generator or grill indoors.

Adults need 7 to 9 hours a night.

Start with the serving size, then use % Daily Value: 5% or less is low, 20% or more is high.

Pick an in-network primary care provider from your plan's directory, call to confirm they take your plan and new patients, and book a checkup.

Life or limb at risk? Call 911 or go to the ER.

Keep one kit at home and one in the car.

Call 911 when someone needs police, fire or an ambulance right now.

Call, text or chat 988 any time, day or night.

Alcohol is the most common drug used by people under 21 in the U.S.

Most vapes contain nicotine, which is highly addictive and can harm the parts of a teen's brain that control attention, learning, mood and impulse control.

Sleep on big purchases.

Pick one small action, tie it to something you already do every day, and repeat it.

Notice what triggers it, change your surroundings so it's harder to do, and swap in something else.

Resilience is a skill you can learn, not a trait you're born with.

When you're angry, pause before you speak or hit send.

Clear subject line, the point in your first sentence, short paragraphs, active voice, and a sign-off with how to reach you.

Go where people gather around something you like, show up more than once, and be the one who invites.

Consent is a clear, freely given yes, every time, for each activity.

Decide what you're okay with, say it plainly and kindly, and don't over-explain.

Healthy partners respect your friends, your money, your choices and your no.

Order a certified copy from the vital records office in the state where you were born.

A replacement card is free.

A state ID or driver's license is the card you'll show most often: for a job, a bank account, an apartment, and the airport.

Start at vote.gov, pick your state, and follow its steps: online, by mail or in person.

Federal law protects job applicants and workers from discrimination and harassment based on race, color, religion, sex, national origin, disability, genetic information, or age (40 and older), and from punishment for reporting it.

A credit freeze stops lenders from seeing your credit report, so nobody can open new credit in your name.

Close the affected accounts, report it at IdentityTheft.gov to get a recovery plan, place a fraud alert or freeze, and check your credit reports.

Read it, respond by the deadline, and follow the court's instructions.

Civil legal aid is free for people with low incomes.

A password manager creates and remembers a long, unique password for every account.

Two-step sign-in asks for a second proof, like a code or your fingerprint, so a stolen password isn't enough.

Real companies don't rush you or ask for gift cards, wire transfers or crypto.

Move fast.

Turn on automatic backup: iCloud Backup on iPhone, Google backup on Android.