I was depressed. I was away at college: 2100 miles away. It was tax time and I had no idea what I was, or should be doing. My dad was a great dad, except in this one area. His only instruction to me about finances was the one time he said, “I sit down at the first of the month (he was paid once a month), and make sure I have all the bills paid before we use any money for anything else.”