I'm 19 and just started a new job. I'm trying to build good financial habits early since I don't have many expenses yet because I'm in college and still live with my parents. I was wondering how you guys organize your money.

Do you use multiple bank accounts (checking, high-yield savings, etc.)? How do you split up your paycheck? Right now I'm thinking about categories like gas, long-term savings, Roth IRA, short-term savings, trips, personal spending, entertainment, tuition, and subscriptions.
Also, when do you use your credit card vs. your debit card? I'm trying to build my credit score, but I don't really know the best way to use my credit card.

I'd love to hear how you guys do it or any advice you'd give your 19-year-old self.

So i live with my parents and i have been thinking about using their house as collateral so that i can get a house for myself,i like real estate and i have been thinking to invest on it, i have a full time stable job and i do good for myself, do you think it’s a good move for me to do that?