Some advice on adulting please

I’m not great at writing introductions without them sounding like those super cheesy AA meetings in the movies😭. but hihi I’m Reira. crowd mutters ‘hi reira.’

i’m nineteen now and I’m from new york. I was homeless for a little bit last year and i guess now i’m trying to find my footing with all the adulting-stuff so that won’t happen again. I’m checking all the boxes I do know, like saving and collecting documents and all that. But there’s still a lot of stuff I just don’t really get.

I opened a credit card yesterday, because I know in order to score a place you need like good credit and all that jazz. But how do you get good credit? When should i be paying back the amount i owe? on the day or before the day? How will I know if I have good credit?

The main thing I’m confused about is insurance and taxes. No one ever really explained either to me, which is kind of ironic now. I work all day at the pharmacy telling people their drugs are covered or not covered like I know what i’m talking about. I just got approved for ‘Healthfirst Essential Plan’ insurance, but i’m not entirely sure what that means or really is. I’ve also never filed my own taxes before and am a bit afraid the IRS is gonna like do away with me in the night or something. Idk😭.

if anyones willing to give me the time and explain all of that stuff, i’d really really appreciate it❤️