Poignant essay. I was in the author's shoes twenty-five years ago. I was an immigrant from India in my early twenties searching for a job in San Jose. At one po

Poignant essay. I was in the author's shoes twenty-five years ago. I was an immigrant from India in my early twenties searching for a job in San Jose. At one point, I had $7 in the bank and had to live in my hatchback for a few days. One of my strongest memories is finally finding a job and resolving never to be in that situation again. I learned all I could about investing, budgeting and saving. Now in my mid-forties, my wife and I can retire if we want to. Turns out my fear of poverty and homelessness, rather than any positive thoughts on how money can be an enabler, has been my biggest motivator.