My parents were very hard working people and instilled good moral fiber in my being while I was growing up.  But one thing I lacked was a decent background into the world of finance.  They had no real idea themselves how to run their finances properly and passed this bad trait down to me.  My lack of knowledge landed me deep in credit card debt, to the point where I needed some debt relief or I was going to drown in bills.  I hope that I can learn from both my mistakes and theirs and ensure my son fully understand the dangerous financial world out there and learns how to take advantage of it, not get taken advantage of like me.