I saw it coming before anyone else did. By mid-November I could read the writing on the wall for the business — the one my old Paranet crowd and I had built together — clearly enough that I walked away before it actually folded. It closed for good not long after I left. I'd like to tell you I handled the exit itself wisely. I didn't. I kept spending like the paychecks were still coming, and by the end of December I'd burned through almost everything I had. Nobody did that to me. I did that to...