<human>: Hey Reddit! Just a little background... I'm 22 and just out of college with an engineering degree.  I've recently moved to SF where my first job will be (pays roughly 45K).  I've been a redditor since high school but recently came out of lurker status. I need help deciding on a couple of things:

1.) Banking.  I don't know much about this at all.  What should I do in terms of credit cards? Checking accounts?  Should I stick with what I have (standard student BOA checkings, no CCs)? or move on to something else?  Where can I do research and what should I be looking for in a good CC or checkings account?

2.) Investments.  Is there anything I need to invest in right now? I've heard here and there from older people that "if only I had invested/bought/saved when I was younger".  I'd love to know these and be one of the people that did invest when he was younger.

Could you distill the essence of the text into 1-3 sentences?
<bot>: New engineer needs to be a grown ass man.  Tell all the things you wanted to tell your past selfs.