I don’t like the phrase “common sense” when it is paired with anything related to personal finance. In my opinion, there is nothing common about finances when you are uneducated. By watching what I was being exposed to growing up, it was common to be in debt. If you needed a new car, then common sense said to get a car loan. If you were short one month and needed groceries, common sense said to use a credit card to purchase them. Those actions were common, every day occurrences and that made them common sense. The topic for this...