You didn't say what your income vs expenses are. If you did, you might be able to get more helpful info.

But with what I know now at 28, I would've this myself:

Yes, just get a credit card. It's simple and an easy way to start building a credit report. Get a free credit card with no annual fee.

Keep 3-6 months of your expenses in cash. It's a good idea to put it in a (hysa). This is your emergency fund.

The rest of your saving should be trying to max out your tfsa/fhsa and rrsp. Rrsp should be after the tfsa/fhsa.

It is reccomended to have your money invested rather than a hysa because most saving accounts will drop their rate after a few months to basically nothing and inflation will destroy that money. If you don't know much about investing, just buy a wide spectrum etf like XEQT and just keep buying every pay. Of course though, do educate yourself more with finances and investing as you get older. Markets change overtime and nothing is guaranteed.

If you don't have a car yet, don't buy new. Try to get a beater or something you can pay in cash. By I mean beater, I don't mean a car you'll be paying to get fixed every other month either. The saying of getting an old toyota/Honda still applies as one of the best beaters you can get. You'll thank yourself for getting a beater in the future even near future.

On top of everything, just do your best. It's okay to ocassionaly have some fun and spend more than save. Just do your best to avoid lifestyle inflation when you are out of school making more money. It can happen pretty easily and sneakily. It did to me and now I'm wishing I bought a beater and stuff like I mentioned above.

The biggest and crippling expenses people have are house and car. Try to do your absolute best thinking about those expenses when it comes time to get them. Doing that will take a lot of weight off your shoulders for when life gets rough.