Let’s talk about some F-words (no, not that F-word). Let’s discuss finances, fortune, and frugality. I’m not a financial advisor, but I wanted to share some thoughts about money and some practices that have worked for my family. Finances Money. We need it to live, but everyone makes different amounts of it. And we all have different financial situations, systems, and priorities. Some of us budget every penny and others are comfortably wealthy or don’t care to keep track of spending. Some people spend, and some people save. Some are good at both. Then there’s debt, and credit scores, and debt-to-income ratios. What’s good debt vs. bad debt? Do you…