<human>: I am extremely fortunate and have parents who were very frugal and financially smart. I'm almost done with college and have absolutely no debt. Just got my first credit card (Discover It) and have a $500 limit. 

However, I have almost no money saved. I predict by the time I get done with school, I'll still have no debt but also won't have much saved. 

What advice would you folks give?  I know nothing about CDs or 401k or any of that sort of thing. I don't spend money I don't have and I won't use credit if I don't have the cash to cover it.

Give me the gist of the text in a nutshell
<bot>: I'm a 23 year old college student with absolutely zero debt but also no money saved. What advice might you have for the future?