One of the few regrets of my life so far is I never really learned how to handle and invest money. While I squarely blame myself for my misspent youth and years when I made higher salaries and still failed to save, I have to wonder why they don’t teach personal finance in High School, as opposed to say, calculus most of us will never use after that semester is over. Even in my long-run at undergrad and graduate school to earn multiple degrees, no one explained to me how much my student loans would dwarf my expenses and even salary in some years. All the while during this time, I played in middling successful bands with a regional following or ran a series of heavy metal websites for the last 15 years. Do we abandon all hope, ye who goes to the ATM to see a negative balance? Or is there a hero coming out of the dark to demystify the seemingly impossible Mount Doom-style odds against working-class musicians?