Or rather, “The vacation I took to to celebrate being about a year out from the car accident and concussion that pretty much reset my life.”

A core lesson from the accident: I needed to carry decent health insurance, and “decent” tended to fall outside of “what I can afford as a freelancer.”  Truly, at the scene of the accident, I should have been taken to the hospital right away.  I feared the cost more than I feared the health consequences of my brain rattling around in my skull, and I didn...