I'm sorry if this is a frequently asked question but I am feeling so overwhelmed with all the different choices and decisions.
I have a little over $10K in savings (TD bank) and around $27K of student debt. I make $12.5/hr and work full time. I'm paying the student loan at $600 every month with the help of my parents (all of us putting in 200) to try and pay it off within 10 years. I pay $533 for rent and $110 for my phone bill. I plan to open a Charles Schwab IRA and get a credit card within the next few months.
The problem is that I don't know my options. Where is the best place to open a credit card? Should I put my utility bills on it to build credit? Is Charles Schwab a good place for a total financial newbie? What am I not accounting for? What do you wish you had known at my age?
*edit: Another important factor; I have no idea how to file my own taxes? eli5 pls
*edit2: Thank you all so much! I've gotten so much more advice than expected already and have a lot of good leads to go on.
*edit3: I absolutely will start looking into a new phone plan. Luckily this is my first plan and I've only had it for a couple months, so I'm glad you all have given me perspective on what is a good rate. Also for those asking about my degree and why I'm making so little; To use my degree I would need to get at least a masters. I was an average student in a pretty competitive field because I wasn't passionate. If I don't have a better paying job in a field I enjoy within the next five years I'll go back to school.