From finance bloggers and money gurus to family, friends, and even neighbors giving you all sorts of tips and advice on how to make more money, manage it, invest it and spend it, it can be difficult to tell what’s true and what’s not. You hear them so much that you end up believing them without questioning their truthfulness.

To help you separate fact from fiction without tearing your hair out about not knowing what to do or regretting a decision, we’ve asked various personal finance experts across the country to debunk some of the most common money myths people believe but definitely shouldn’t.

From credit cards and debts to bargains, discounts and retirement savings, here’s are 12 financial myths you may have heard but need to stop believing.