I am a late bloomer when it comes to managing money and planning for my own financial health.  I learned from my own mistakes and it cost me, personally and in my business.  In life it may be true that learning from your mistakes is the best way to make lessons stick.  In business it can cost you thousands, even millions.  When I think of the money I left on the table... April is National Financial Literacy Month and the SBA is offering FREE financial education webinars on April 14 and 21 focusing on establishing and maintaining healthy financial habits.  Check it out.  You have to start somewhere and there is no time like the present to learn personal and business money management.  I know firsthand that It puts money in your pocket.