Compound interest.
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I donβt feel too late to learn anything so far.
Manage your finances. Know where every penny goes. Budget as best as you can - plan for all of the things you know you spend money on through a year. It doesn't mean you can't spend money on things you like, but it does mean that you know when you can afford it. It gives you confidence and control no matter how much you are making.
There are some services I use that make like a million charges under a dollar. Those are really hard to manage so I use a privacy card with a spending limit to keep track of them.
How to properly manage a budget and how do credit cards work
Stoicism. The philosophical ideas of how to live a purposeful and good life.
My family is never going to return the favor. Should've gone to school instead of taking care of them.
That I am a girl
Grace Periods.
I'm glad I know them now, because for the longest time, I thought I was in a fucked situation whenever my finances were tight. Like if I was due a bill and my pay cannot cover it because of the dates being different. It used to make think that I had to take a hit and just roll with it. But no, some of my bills allow me a brief grace period where I can gather resources in time. Sometimes I'll even stretch my money beyond some grace periods if it means that I can upkeep some resources then just pay the difference later.
Lying can get you ahead in the immediate, but then youβre a liar, and liars lose friends and alienate people.