Dear Penny: What are the risks of opening store credit card for a discount?

I’m in my mid-20s, and I’ve never had a credit card. Whenever I’m shopping, I get offers for 15% or 20% off if I open a store credit card, but I’ve heard it’s a bad idea to open one. If I pay off the balance each month, is there really any risk to taking advantage of these offers to save extra money? And will a store credit card help me build credit? Getting your first credit card is a pretty big deal. And it’s usually best not to make major financial decisions because a slightly pushy salespe

Dear Penny: My parents want me to go back to school. Are they right?

I am a 26-year-old single male. My issue may be a little different from a typical millennial. I have a four-year college degree in music performance, and my passion is for music composition. I have not been able to get work in my field, but I have full-time employment at $11 an hour. I am financially secure with my own condo, paid-off car, no student loans or other debts. I have a savings account with $23,000, and I opened a 401(k) in my current job and put aside 5% (no company match). My par