The sources collectively address financial literacy and access for immigrants and others new to the U.S. financial system, focusing primarily on the concepts of credit building, debt traps, and the difference between credit and debit cards. Several texts, including a Reddit thread, attempt to simplify complex accounting principles like debits and credits, highlighting the general confusion surrounding these terms. A significant portion of the material, including content from Experian and Neighborhood Trust FCU, emphasizes the challenges faced by immigrants who are often "credit invisible" and details practical steps for establishing a financial identity, such as obtaining an Individual Taxpayer Identification Number (ITIN) or Social Security Number (SSN), and utilizing tools like secured credit cards or credit-builder loans. Other sources caution new arrivals against falling into high-interest debt traps and explain the benefits of using a debit card for budgeting and financial security.