I don’t know that financial literacy is something that always springs up on people out of the blue. I know for some people, there’s a light that switches on after hitting rock bottom or finally reaping the results of following someone older and wiser’s advice.
But I’m not one of those people. For me, financial literacy was something that I learned slowly over time. Most of it I learned in the incubation of my own home before I reached adulthood. My first money lesson was more of a slap in the face after being conned than an “A-HA!” moment. I learned both from intentional lessons my parents set out for me and from observing their financial successes and failures. (That’s not a jab at them; we all make mistakes from time to time. I just think children are more acutely aware of their parents’.)
I’ve had a few missteps since I’ve become an adult. Small mistakes; nothing truly tragic. But I have always taken an active interest in my finances, being responsible and learning new things as I go along. There’s always a lot left to learn with anything we do in life, and I know I have some more growing to do in my own world of personal finance. But I’m overall happy with my progress so far.
I don’t have a money “A-HA!” moment. Instead, I have a lot of little moments that have added up to a degree of confidence over the years. And I’m really happy with that. Slow growth is healthy growth. And, at least in this situation, it has served me well.