Does thinking about financial planning for the future give you night terrors? Finances can be a tricky thing at the best of times; it requires knowledge, keen eye, discipline… and sometimes even a little luck, when you’re talking about investments. I’m one of those who didn’t learn about how stock investment, debt, and credit worked until many years after I became an adult. I regret not knowing more about it earlier because my late start puts me at a disadvantage. I'll probably never retire …