A NOTE TO THE CLASS OF 2016

You're about to be an adult.
  1. Don't sign up for a credit card yet.
    It's not free money. And you're going to want to use your credit when you're older. To buy a car. And a house. And any fucking thing else you might want and you're going to feel pretty stupid if you destroy your credit when you're 18 because they gave you a free tshirt and a bottle of mt dew to sign up.
  2. That is all.