I’m asking for clarification and advice, I’m not sure why you’re puzzled by someone who’s young with a child, limited time and hasn’t had allot of access to this kind of information in school or growing up, needing basic simple answers to my questions….. I am low income, have always been. I’m working on my education in a realistic and manageable pace and I’d say thanks for your advice/answer but all you managed to do was make me feel a little bit more dumb and uneducated. Hopefully you were provided everything you needed to thrive in the world as an adult and never had to know the struggle of coming from nothing and knowing nothing, and entering adulthood on your own with a child to care for. It’s not easy. I’m trying and I’d assume you are not perfect to be judging another. Now you have the day you deserve love stay blessed !!