I’ve learned most of life’s lessons the hard way, always have. I once joined a really cool health spa when I was in college earning $55.00 a week. I soon realized that I couldn’t afford to belong to a really cool health spa and was reminded of it every month for almost two years as I wrote checks I couldn’t afford to write until my obligation to the not-so-understanding owners of the really cool health spa were paid in full. That was stupid, but I learned from it. I once gave a friend of mine $4000.00 dollars to invest in...