Last Tuesday I stopped at my usual coffee shop before work. I was running late, tired, and already stressing about bills piling up. Coffee is the one little thing I don’t skip. The barista, who sees me almost every morning, looked way too happy for that early in the day. While making my drink, he started talking about how he had just gotten $720 back from his car insurance. At first, I didn’t even believe him. I thought maybe I heard wrong. Then he reached under the counter and pulled out this e