Good morning Reader, I hope you’re enjoying this spring weather. The warmth feels good. We’ve just come through winter, we know the summer heat to come. We can fully appreciate the space between. If an E.T. were dropped into a spring Baltimore scene—the harbor breeze, a warm morning—how would they appreciate it without the seasonal context? Money can be like that too. A look at a bank account gives a real feeling in the moment—relief, stress, confidence, concern. BUT by itself it is only one...