At some time or another, most of us have worried about money. We have fretted over how to pay off higher-than-expected bills, credit card debt, and student loans, or perhaps have even exchanged our dream career for one that promises more security. As I write, these fears are particularly acute: the crisis resulting from the coronavirus pandemic has cratered the global economy and many have lost or are terrified of losing their jobs. We are realists. We know that