Suggest learning about minimalism is the most important thing. Knowing the real difference between wants and needs and the folly of keeping up with the Jones or Kardashians.
Once you can save as a result the credit rating looks after itself ( credit ratings can actually be hurt by having no loans ironically but that is not your fault but the algorithm in uses fault ) and your bank balance grows.
Having achieved this, you can then learn to invest properly and or do this at the same time.
One need not lead a minimalist life forever but doing so early in life can set you up for the rest of your life. Not doing so can leave you broke or struggling for life instead.
Delayed gratification versus instant rewards with little to nothing to show for it.....
The choice is yours and of course such is not taught in schools at all. Probably because if too many did the smart thing the economy would grind to a halt in the short term.
