I never had an appreciation for the great education I had until my adult years. There are so many things we learned in school that I assumed everyone had to learn in public school. We had a mandatory class that taught budgeting and how to balance a check book. We had mock incomes and expenses, retirement funds, etc. We learned all about how credit cards and loans worked.

When we were really young, my parents opened savings accounts for us. We deposited money every week. When I wanted something that cost more than my allowance, we put it on layaway and I made payments each week until I paid it off.

We aren't in the best financial position right now. I blame my husband (lol) who had no financial education at all. I just assumed he had been taught the same things I had.