06/03/2026
This photo makes me laugh.
In 2005, I graduated from Dartmouth with a degree in Russian language and literature. I worked hard and got good grades.
And yet, on graduation day, I was holding a blank piece of paper.
Why?
Because I forgot to pay my final month's rent.
The day before graduation, I checked my campus mailbox for the first time in ages and discovered a notice informing me that my diploma was being withheld until I paid my bill. So while my classmates posed with their diplomas, I posed with a blank sheet of paper.
My mother thought it was hilarious.
The older I get, the more I realize that most mistakes don't happen because we're careless or unintelligent. They happen because we don't know what we don't know.
That's one of the reasons I'm so passionate about making estate planning more approachable.
Most people aren't avoiding it because they're irresponsible. They're avoiding it because nobody has ever explained it to them.
We're all learning as we go.
Some lessons just happen to come with a blank diploma.