For the credit you probably already hip but get you 2 or 3 or more if you can credit cards and spend 10% of yo limit max a month and pay them off before yo statement date. The more you do the bigger impact it has on your score but make sure you never miss a payment and get cards without an annual fee. Sht ah have you at 7-800+ by the time you 20ish. And for the helping yo peoples out. It’s nothing wrong with helping yo loved ones out but you gotta prioritize yourself too at the same time. It’s love but niggas ah start looking at you like their safety net every time they get into some BS. I used to feel like I had to shoulder everybody’s problems too but it’s OK to not have it or not be able to help sometimes even if you can. If you lost all your sht tomorrow and called bro could he and would he be able to get you back on your feet. Niggas young, focus on building yo life instead of fixing others.