u/Distinct-Release-828

I'm taking my quantum chemistry final next week and I'm nervous. I have a PDF of the ACS workbook but it's from like 2009 and it's a bit outdated. I do well in my class but I think that just because everyone else does so badly my professor has to curve our grades. I feel like the in class exams are easier to study for because they test comprehension whereas the ACS exam just seems to test efficiency and memorization, which I suck at. I already feel like I'm going to perform badly so I'm losing motivation to study. Any tips?

I'm a first generation college student and my parents are very untrustworthy of banks/not very financially literate so I was never taught how to start a credit card, HYSA, budgeting, etc. I've never felt the need to worry about stuff like savings and investments but this year I started two new jobs and that--in addition to financial aid refunds from college--has led to me having a lot more money than what I'm used to.

I want to be smart with it but I don't know where to start. The only card I have is a debit card for an account I started with my mom when I was a minor. She still has access to it and can see the amount I have in the card as well as any income/expenses I have. I don't mind her seeing it but I feel a little uncomfortable having the large sum of money be so accessible to her because I want to save up for professional school and while I'm willing to send my family money, I don't want them to see me as a steady steam of income because I can't guarantee that I'll continue to be able to contribute.

I know I should look into credit cards and HYSA but idk where to start because there are so many different types. I use Capital One and I'm not sure if I should be getting credit cards/HYSA with the same bank or not. It's overwhelming because I have no one else to help me understand.

TLDR: any advice/recommendations for HYSA or credit cards for a first gen college student?

I have really small ears so I struggle to find good earbuds. I really liked the Ultimate Ears FITS because they have some kind of light form tech that allows the buds to fit the shape of my ear. They fit really well and had decent quality. I had them for a year but then they broke and wouldn't charge. I tried another pair of wireless earbuds (forget what) but those were too bulky and would fall out often so then I wanted to buy the FITS again. I noticed that the tech got sold to Logitech so I bought the Logitech GFITS, but l'm pretty sure it's the exact same tech bc the GFITS charges with the UE fits case. I've been loving the GFITS but I ran into the same issue with charging and abrupt disconnection. And Logitech doesn't sell the GFITS anymore. I've been wondering if I should just switch to headphones bc all the wireless earbuds I've tried seem to break within a year and I swear I don't do anything crazy with them so I don't understand. But I really don't like the feeling of wearing headphones and much prefer true wireless earbuds. Any advice? I'm in the market for new earbuds but I'm just wondering what is worth the price. I'm willing to spend up to $100 bucks. Not even looking for great sound quality, just lifetime.