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This is Optimal Finance Daily.

Seven personal finance lessons I wish everyone learned in high school, part two by Jeff Rose of goodfinancialsense.com.

Number five, how to build credit.

Your credit score is an important part of your overall financial health,

and it can make a huge difference in how you manage your finances as an adult. With good credit on your

side, it's a lot easier to buy a house or qualify for an apartment. With bad credit or no credit, on the

other hand, most of life's biggest milestones can be harder to reach.

Students need to know why credit is important, but also how to build credit while they're young.

Most of the time, getting a basic student credit card or student loan, for example, can provide the

introduction to building credit for students who need to get started.

But that doesn't mean building credit is easy. Sometimes it's difficult for many young people to get approved for a

credit card or any type of loan. My old intern Kevin found himself in this exact scenario several

years ago. Kevin listened to his parents and avoided credit cards altogether. But when Kevin decided to start his adult life on solid financial footing and buy a house at his own car,

his credit wasn't established enough to get approved for the loans he needed to purchase these things.

Fortunately, Kevin stumbled onto the idea of signing up for a secured credit card.

With a secured credit card, he has

to put down a cash deposit equal to his credit limit, but once he started using his card regularly,

...