I vividly remember sophomore year of college. It was 10:30pm and I was leaving my girlfriend's apartment by car. Instead of coming to a complete stop at the stop sign, I slowly rolled on through and took a right. There was nobody on the streets, so I took a chance. That chance cost me $60. A police officer pulled me over for a moving violation, and I was gutted. At the time, I had maybe $500 to my name after grinding away at McDonald's and doing temp work for $4.25 an hour. I was so annoyed that when I mailed in my check, I attached a note saying I hoped they'd do something positive with my $60. That was the first time I felt true financial despair. It would not be the last. The Feeling Of Financial Despair Returned Recently, my wife took the car to do some volunteer work at our children's school. When she returned, she parked in our driveway, then walked over to substitute teach at the first preschool our son attended. I'm proud of her for taking online education courses to become a certified teacher.…