Zero didn’t wake up one day to have maxed out 401k, Roth IRA, and HSA.
I began my “adult” life by moving to New York City at 25, straight out of graduate school without a job or career. Thankfully, I had no student debt (thanks, mom and dad!), and armed with a non-stem master’s degree. Having gotten disillusioned with the reality of public education system, special education in particular, I …