We have all made financial choices that we regret and hopefully, we have made great financial choices as well! Please share with the class a time when you made a good financial decision and a time when your financial choice was not so good! Be specific and follow the instructions in the new forum. THEN post a comment about changes you are making to improve your financial well-being based on something you have learned this semester. For example, are you using more discipline with your saving, spending habits, etc.?