I'm doing horribly in math. I have never & will probably never be good at it. I have an artistic brain not one that deals well with numbers. I don't really see how it applies to my everyday life. I've been around for 30yrs and haven't used any of them so far. I'm really annoyed with work right now, I wish I could live off my etsy shop. I would only need about $60 a day to quit.