ugh yeah on the bills  for me it was more the destroyed credit rating that happened when i had bills go into default  i realize now that the way i fixed it was by making finances one of the few things i hyper-focused on  i have excellent credit now but that was a really shitty lesson to learn    though im also not great at all financial stuff  for example i have two dormant retirement accounts from previous employers that i should have rolled over or transferred or whatever into my current 401k  like years ago  so i guess ill be paying for that lost interest in retirement