Couldn't you get a lower-interest credit card and use that to buy things from Sears? I mean, there's the temptation to use it other places (since Sears isn't a tempting place to shop), but it would save you money just to use a lower interest rate card if you are carrying a balance.

Not that you need to change your system. But I would do that instead to save myself a few bucks.

DEFINITELY have health insurance. If your "dream" job doesn't offer it, then it is not your dream job.

I wish someone had told me I was severly underpaid. I had no idea and it took me YEARS to finally get a job that paid me close to what I am worth.

Start putting money in your retirement, 401(k) now, savings, etc.

Good advice about credit cards. They can be evil.

Don't sell yourself short.

Continue to practice safe sex -- your 20s are your most fertile time.

And have fun. You'll be working for at least 50 more years most likely so keep that in mind.