Dear Reader, I want to tell you about one of my clients — let’s call her Marisol. Marisol was about to celebrate a milestone birthday and had one dream: a solo trip to Greece. But she was also job hunting and worried about spending money she “should be saving.” Like so many of us, she was caught between two truths — wanting to enjoy her life and wanting to feel financially secure. When we started working together, I taught her how to leverage debt responsibly so she could celebrate without...