Raymond

I started college with over $2,000 in my savings account. The product of eighteen years of birthdays and Christmases had left me with a sizable hunk of cash that I was proud of. The problem with this savings account was that I spent almost all of it over the course of my freshman year. By May of 2016, I had a measly $200 left in what used to be a promising garden of money trees. It was embarassing and really discouraging to know that I had truly spent myself dry on late-night grub and floral dresses from stores I shouldn't have been able to afford. I like to think it was a time I spent exploring and discovering what it meant to be "independent." I didn't have a job and didn't like asking my parents for money, so I justified that by blowing through two grand over the span of 9 months. Cut to two years later, I'm a junior with a fellowship and two jobs that pay me enough to sustain my affinity for ramen and pizza. My savings account now lies in the digital worl...