>>61144872
a debit card is a direct line to your bank account so it's very important not to lose it because your bank account could be drained if someone got a hold of it and you won't be compensated. best to leave it at home. always make sure you have enough money in your account if you have auto-payments set up because they could trigger an overdraft fee if you don't have enough money in the bank.
credit cards are just loans with high interest so you have to pay off the entire balance every 30 days or you will owe even more money than you spent. never pay the minimum, you have to pay the entire balance or they will charge interest and it's like 24% of your credit balance so it snowballs quickly. surprisingly, lots of people don't know this or just ignore it and will be poor forever.
credit score goes down if you miss any loan/credit card payment but it goes up when you make payments on time. your annual income and credit score are the two determining factors to how much a bank will loan you. a loan for a house is called a mortgage. a mortgage can be refinanced, meaning you renegotiate the amount of the loan and the interest rate, which is used to receive more money from the bank under the same loan(mortgage)
your employer will give you a W-2 tax form once a year around the start of the year and you have to file taxes by april. just find a website like creditkarma and fill out the form online. it's really basic stuff, your W-2 just has labeled boxes like "a1, a2, a3, b1, b2, b3, c1, c2, c3" and so on. you just plug in the numbers from each box to the corresponding label on the online form. they will ask you how many dependents you have, this means how many kids are you legally responsible for. you probably don't have kids so say zero. they will ask if you have crypto, just say no, they won't care unless you cash out a lot (over $40k).