by Simon Black
The year was 1999. I was 20 years old. And like most 20 year olds, I knew EVERYTHING.
Or at least I thought I did.
I was a young West Point cadet at the time, and I’d just received a bank loan of more than $22,000.
This is something that every cadet in his/her junior year is able to do; banks line up to give us lump sum loans secured by our future earnings as Army officers.