The Cold Winter (01.29.2009)

I was a software engineer with an MBA in finance. I worked at a well-paying banking job near the southern coast of Ohio, a relatively low-cost state. My apartment, food, and rental car costs were covered by the bank I worked for. I worked hard and was paid well, but for the next few years, most of my money would go towards scratching my day trading itch, rather than a lot of savings. So, I lived relatively frugally, but quite comfortably…