What’s the most mind-boggling personal finance concept yall learned through the hard way?

What's the most mind-boggling personal finance concept yall learned through the hard way? Nowadays everyone around me is talking about personal finance. In fact there are things I didn't even know existed and never communicated to me neither through any bank or financial institutions. Have yall ever been in a situation financially where you thought "wish I knew this before"?
submitted by /u/RealLifeHomer

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