Taxes, credit, leases, insurance, budgeting — a 7-day crash course with one topic a night, one thing you actually set up, and no jargon or lectures about how you should have learned this sooner.
Twelve years of school and not one class on the things that turn up in the first month of adult life. The gap isn't your fault, and it doesn't close on its own.
Hundreds of articles, contradictory advice, and financial vocabulary nobody defines. So you go back to winging it, which works right up until it doesn't.
A credit card paid at the minimum, a deposit lost to a clause you didn't read, a refund never claimed because you assumed you didn't need to file. None of it announces itself.
They mostly don't. Plenty of people reach their thirties without understanding credit or insurance and say nothing, which is exactly why it looks like you're the only one.