Around junior high, I dreaded coming home after school, but not for the reason you might assume. When I started seventh grade, my parents helped me open a checking account to go along with my savings account. The goal was to teach me how to manage the money I earned from working on our family farm. Instead of going to the bank every time I needed cash for a school project or to buy a friend a birthday gift, I could write a check. (Yes, I’m that old). But I struggled to keep my…