College graduation is almost here. What do I need to know about things like insurance, residency?

Thank you! She’s so thrilled about the lab job. She wants to go to Cornell for her PhD, and is hoping that working in the lab there will help get in later. The job is only confirmed for 6 months, but I think she feels fairly certain she can continue after that time frame. We’ll see. I hate having her SO far away but it’s exactly what she wants to do, and she’s so fortunate to have a job - low-paying as it is- lined up in her field already.

She doesn’t have a charge card. You mean a true charge card, right? Not a credit card? She has neither. She is NOT at all good with money, and has been afraid to get a credit card. I personally think a charge card would be a good interim step… only charging what she knows she can pay back each month in full. I assume you mean that she should have a card in order to build credit, right (because otherwise her debit card works for charge purposes…). But I was under the impression that charge cards didn’t really help build credit…???

Congrats on your kid, too! Incredible how fast these last 4 years went, huh?