How My Budget Is Like a Personal Pan Pizza

Photo credit: Meraj Chhaya (cropped), CC BY 2.0.

One of my favorite books, Ann Patchett’s Truth and Beauty, opens with the story of the grasshopper and the ant: The ant is diligent and self-sacrificing and plans ahead for winter, while the grasshopper goofs off and has fun instead. When winter comes, the unprepared grasshopper has to beg the ant for food.

This story sticks with me, because while I want to be an ant—and while I’m diligent and organized about some things—when it comes...

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