My post-college financial life hasn’t been the overflowing pot of gold that the admissions marketing told when I was a wide-eyed high school student applying to lockdown my destiny. Most of my academic advisors and department chairs were the same, full of positive energy and congratulating me on making it through those “tough four years.” Interestingly enough, out of the professors from the four departments that were my academic home, the only honest and useful words about my future came from Classical Studies. Forever academics, they told us to give them a call when we needed advice on deferring our loans for graduate school. It turns out that deferment has been a key part of my financial life since then. But there have been other times I’ve been saved from financial ruin. I’d like to reflect on some of the times when what felt like literal pennies from heaven saved me from living in a trash can, or worse, back at home with my parents.