Uhhh, that would mean giving up something else

like athletics in order to fit it in the budget. LOL! Did you all see the news story where Washington,DC is considering removing civics classes from its curriculum, but the kidswould have to take an extra gym class credit to replace it? Jan who says that PE is good, but it is not the end all to educating our kids in OK

I actually go back and forth on this point

in terms of my own choices. I KNEW, early on, that paying for things via credit card was expensive. I KNEW, early on, that compounding interest is a wonderful thing for savings accounts, and a terrible thing for credit card users. I KNEW that if I put $5 on my credit card, I’d actually end up paying $20 (or $50 or $100) for that item. I KNEW all that stuff.
But when I went through my divorce, none of that stuff mattered. None of that even entered into the equation. I was in such denial about so many things, that you could have told me that rain was wet or snow was cold, and I would have argued with you. I think the thing that kept me in that state of denial for so long, was thinking that I personally could somehow magically stay ahead of that monster. Sort of like teenagers are convinced they’re immortal and know-it-alls. I had people telling me early on that I was on a path of destruction, and either I chose not to hear them, not to believe them, or otherwise waved some mental magic wand that made all their points irrelevant. And now here we are.
I think it takes more than education. I had all that information. I think the education is necessary, but somehow it’s not sufficient. I don’t know what the missing ingredient is, since a lot of people around me tried to help me see the trouble I was headed towards. Then one day, I realized “oh, dang, they were right!” Not sure what made the difference. Maybe hitting bottom. Maybe hitting bottom + hearing stories about how other people hit bottom THEN climbed back up. During my first FPU class, I was so angry – angry at being told that not only was bottoming out not necessary, I could rise above it if I was already there. I think if DR hadn’t related the story of his own bankruptcy, I would have stood up and walked out. But he had been there, done that, and come back from that pit. That was the only reason I stayed in the class. But how to avoid it 15 years prior? I still don’t know that one.