There's no way around it: adulting is hard work. It's a big adjustment when you're finally out of the nest and on your own, having to plan for the future in more actionable ways. But it's also exciting! It's a time for you to feel empowered and take ownership of the trajectory of your life — and not to worry: there are so many resources to help you navigate these new waters.
One of the biggest things you'll need to think about is your credit score. It's one of the most important elements at play when determining if you're able to make big purchases like a home or a car — a better credit score can open the door to lower interest rates, better mortgage options, and even lower monthly car payments. It's also something you'll need to think about down the line if you're thinking about starting a family, or even applying to lease an apartment.
So if you're beginning to plan for these types of big financial milestones, take this quiz to see how prepared you are now and what you need to do to reach those goals. One cool resource is called Score Goals from American Express® MyCredit Guide – it's a free tool that once you enroll can help you set goals to improve your credit score with personalized recommendations. It's available to all U.S. consumers, whether you have an American Express Card or not. So don't worry — you've got this!