...I have the playhead parked on a frame and I want to use the razor tool to put a cut on that exact frame, can I do it?
You can use this keyboard shortcut instead of the razor tool:
Cut at current time indicator (playhead)
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Keyboard shortcuts work great, but they do require that you use the target track indicators--that's a common gotcha with Premiere Pro users, both new and seasoned. The razor is a little more direct.
Technically, you shouldn't have to worry about snapping the razor to the playhead. It has sort of a built-in "proximity sensor" that will automatically cut at the playhead if you position the tool close enough. Of course, it's somewhat dependent on the zoom level of the sequence, but most of the time, you should be able to cut where you want if you click close enough to the playhead.
Thank you so much! That's exactly what I needed.