I saw the funniest sign, but it wasn’t funny for long because I started to think about it. Suddenly, the humor melted away. The sign read: “Everything happens for a reason. Sometimes the reason is you’re stupid and make bad decisions.” Ouch! Those 15 words hit hard because I’ve made more than my share of bad money decisions in my life. I’ve come a long way from that dark season of my life. I am determined to not go back but also to not live with regret for what might have been. Instead of living with my eyes on the rearview mirror, I want to stay focused on the present with eyes toward the future—which begs the question: How can we stop making bad decisions when it comes to money and personal finance? Get Smart Despite the fact that research from the University of British Columbia released in November 2013 …