If you’re in your “rebuilding era” financially, pull up a chair and grab your coffee — I saved you a seat. Let me just say this up front: we weren’t always serious about money. In fact, we were real good at ignoring it. At one point, I think we had a credit card for every store we walked into. There was no “budget.” No plan. Just vibes and minimum payments. We didn’t put money down on anything. We took on high interest rates because “we’d figure it out later.” Spoiler alert: later came, and it was stressful. But we’re not there anymore. Now? We’re rebuilding — on purpose. And I…