Funny thing is I am only 30. Never took on student loans either. I'm an anomaly for my generation. born 50 to 100 years too late haha.
I would suggest a credit card that has no fee if paid up....reason is some give you back some money it really does add up. Free Money.
I live in Canada my Canadian Tire has paid me back a few hundred dollars just in one year
Afterall you need gas food etc take advantage of free. Every month there is 10 or 15 free dollars of mad money....