Somebody told me once, half in jest, that while the big houses are in MCCUTCHANVILLE the real money is in DARMSTADT. Now like I say, there was an element of jesting in what they were saying. No doubt there are people in Darmstadt who are overextended when it comes to their lifestyle and there are people in McCutchanville who are savers. They were alluding, however, to the long-standing German heritage of Darmstadt with its culture of debt avoidance and frugal living. I found that this remains the culture in Germany today. While preparing for our trip to Germany we were told cash is king over there because Germans generally avoid debt. There is an old word for living within one’s means and saving for the future, prudence. It is related to the word “wise”. It has to do with living in such a way that your actions lead to a better life. Now that my kids are grown and preparing for life on their own I’ve told them that if they begin saving now, investing while they’re young, they can have...