Good for you!
Yes, I recall my parents telling me not to get into debt when I was young. It entered one ear, and out the other, hahaha. It was not until I was 37 that I learned to manage my money! Thanks to the Silver Stacking elders of YouTube!
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At least you got there. A lot of people sadly don't. 😅 The journey we each walk is our end, and I believe shapes us into the best person we can be. Dwelling on the past does little in that development.
Here's to 37 good money management years! 😁🍻