I hate the title of this article, but I had to do it. Partly because there are no simpler ways of putting it, and partly because I really did learn the best lessons of my life the hard way. At 21, I…

I hate the title of this article, but I had to do it. Partly because there are no simpler ways of putting it, and partly because I really did learn the best lessons of my life the hard way. At 21, I…