…that doesn’t mean everyone is having an easy time of it. Some Americans feel increasingly pressured by the surge in the cost of carrying their debt. Delinquency rates on their credit card debt and auto loans are now at the highest in more than a decade.

Just a serious note of caution for you and for your future families. 

And speaking of youth and personal finances — and seeing as it’s tax time — also see:

Topic no. 501, Should I itemize?

Deductions reduce the amount of your taxable income. In general, individuals not in a trade or business or an activity for profit, may take a standard deduction or itemize their deductions.
…
You should itemize deductions on Schedule A (Form 1040), Itemized Deductions if the total amount of your allowable itemized deductions is greater than your standard deduction or if you must itemize deductions because you can’t use the standard deduction. You may also want to itemize deductions if your standard deduction is limited because another taxpayer claims you as a dependent. Itemized deductions, subject to certain dollar limitations, include amounts you paid, during the taxable year, for state and local income or sales taxes, real property taxes, personal property taxes, mortgage interest, disaster losses, gifts to charities, and part of the amount you paid for medical and dental expenses.