It wasn’t a podcast, a TED Talk, or even a cold, hard chat with a financial advisor that flipped the switch. It was a morning—Wednesday, 8:12 a.m., still half-asleep—when I realized my checking account had hit an all-too-familiar low again, and I was a few taps away from transferring from my “rainy day” fund. Again.
Okay, raise your hand if you’ve ever walked into a beauty store, stared at the shelves lined with countless skincare products, and thought to yourself
A few years ago, I sat on a faded bean bag in a beach café in Bali—Wi-Fi just strong enough to file a story, coconut sweating in the humidity—when an American freelancer nearby suddenly turned pale. Her laptop was gone. Stolen while she’d ducked into the restroom. “Thank god I have insurance,” she muttered, more to herself than anyone else. Then, after a long pause: “I
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