I come from a long tribe of grasshoppers. Do you know what I mean? I’m talking about the parable of the Grasshopper and the Ant. In the story, the grasshopper made music all summer and laughed at the industrious ant, who worked hard to store up grain for the winter. But when winter arrived, the grasshopper was in trouble while the ant was safe and well-fed. Here’s a full version of the fable. My family lived like grasshoppers. When we had money, we spent it. We borrowed or scraped together enough cash to enjoy ourselves today, because who knew what tomorrow would bring? It wasn’t as if we spent our…