The young woman was shopping on the 75 percent off rack of children’s clothes. Our eyes met and she smiled; in these hard times we must shop wisely to make money stretch further, she said. I remember those years in the mid-twenties, with two babies, a mom to support, and at least three part-time jobs. I never complained, blamed rich people, rioted to burn down other people’s hard work, or demanded that they turn their accumulated wealth over to me. It was a time when law and order mattered. Effort and hard work eventually paid off when I made a huge and lengthy investment in human capital – my education. Continue reading →