With apologies to Jagger/Richards, today’s deep thought: It’s OK to wait for something you want, but not for something you need — health care, for example. Sometimes there are no jobs, and the money you were counting simply doesn’t come through, and neither does decent health insurance.

Then you have two choices: Avoid doctors as part of your effort to save money, or spend your savings on health care and hope that novel of yours becomes a hit before you go broke. More here.