I believe that it is our education system. I have yet to see a program in a high school that deals with this aspect of life any more than for "balancing a checkbook".
I have since learned:
How escro works.
What an amoritization schedule is.
The rule of 78.
That those who know money will take it from those who don't.
How to live a better life through planning.
To never buy a car (etc) that you cannot hot sell the next day and at least break even.
Huge payments for a short duration make the cost of ownership much less.
I only wish I would not have had to learn the hard way.
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Back button again, I must be getting old.
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