In college, when I was working on my master’s, I worked during the day and went to school at night. I still remember my annual salary because I had to watch over it so carefully: $10,500. In today’s...

I am getting ready to teach a college course in the fall and that is causing me to think back on my own experiences in college. I remember so little of the coursework. My most significant learning...

I have erred on the side of safe. In my life, when I made certain choices. In my posture, when I turned in and down to shelter myself. In my approach to money, when I sought to construct a thick...

I went to a seminar on healthcare options for people who formerly had healthcare coverage through their employer but lost it when their job went away. It was fascinating—not the healthcare part, but...

My new theory is that everyone who lives long enough will at some point go through a period of The Hard. I believe The Hard is necessary. It makes us stronger. It strips away dross. My theory is...

I am in Johnstown, Pennsylvania because this is where the tow truck brought me, from the Midas shop just off the Pennsylvania turnpike to a Honda dealership thirty miles away. These are all the...