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Sometimes it is a series of small decisions that can make a big difference in our lives. This is certainly true when it comes to protecting our financial assets.

Building a high net worth isn't just about generating wealth.

When an accident sends your pet to the hospital, will you be prepared to handle the situation financially? Emergency vet bills can quickly make a huge dent in your savings, and that could leave you in a tough spot during an already stressful situation.

Imagine you've just paid off a boatload of debt after months, or years, of struggle. Now that you're finally debt-free, you have extra cash to spend each month and your credit score is higher than ever.

With that in mind, you may think you're ready to use credit cards again.

Many factors can impact your credit score, but is education one of them?

In short, no. Education does not directly affect your credit score. Whether you have a Ph.D or are a high school dropout, credit reporting agencies couldn't care less.