I used to be someone who’d get blackout drunk pretty much every single weekend. It was something I looked forward to as a way of “letting loose” or “having fun.” But you know what’s actually way more fun? Not waking up every Sunday morning wanting to crawl into a hole because you’re deathly hungover and you’ve lost your wallet.

For the longest time, I completely ignored my credit score. Sure, I never defaulted on a credit card or had a debt go to collections, but I still felt anxious about facing my financial situation. It was the same reason I hated looking at my account balances: a total fear of reality.

So, for the longest time, I outsourced my taxes. As a teenager, my parents’ accountant let my brother and I file with them for free. And as I got older, I started using H&R Block, since they offer discounts for college students.

If I can do it, anyone can do it — and that’s true not just for taxes, but for adulting in general.