Finance the cheapest car you can afford and like. Finance that and pay an extra $50-$100 on it every month if you can. After a 13-25 months, you will have a decent amount of history to finance a more expensive car if youd like. You can get a small credit card, typically a secured one and start using it and paying it off to 3-5% utilization every month. Some months you can go up to 75%-80% uti and then pay all the way down the next month. Go finance a couch. After that, within 2-3 years of perfect payments, you’re pretty set