Financial literacy wasn’t a topic in my family home while I was growing up. By my early twenties, my mind was pretty much programmed to believe the financial odds were stacked against me. I never looked into building my credit because I didn’t understand the value of doing so, and after gross mismanagement of my first credit card, I was hesitant to ever get another. My debts at the time were composed of over $9k in student loans from a for-profit college (yes, I fell for one of those) and a $500, interest-gathering balance from my first credit card. In my twenty-one-year-old mind, I had simply too much debt to…