(Lincoln, Nebraska image by Tim Vrtiska via CC BY-ND 2.0 ) In 1997, when I was a young and hopelessly naïve college student, I dreamed about moving to San Francisco. I had no real-life experience or any understanding of cost of living standards. Most young people think that they will live forever, stay healthy forever, and can do anything. I reflect in shock as I once believed that I could do this. One...

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