I was 18 years old when I got my first fulltime job, and I learned an important lesson about the discipline of saving money. I worked and saved until I had enough money for a year of school. Then my mom had emergency surgery, and I realized I had the money in the bank to pay for her operation.

My love for my mother suddenly took precedence over my plans for the future. These words in the book Passion and Purity by Elisabeth Elliot took on new meaning: “If we hold tightly to anything given to us, unwilling to let it…