Dear Reader, I want you to think back to a moment in your life when you felt fear about money. Perhaps you were laid off and watched your savings dwindle. Maybe a medical emergency emptied your …

For generations, the penny served as an entry point into commerce for children receiving their first allowance, immigrants building new lives cent by cent and working families stretching tight budgets.

Dear Reader, There are two ways to live a life, and most of us never consciously choose between them. The first is Formula One living—all throttle and adrenaline, taking corners at …