So I’m walking down a dark alley recently in Roanoke, VA when a guy stepped out of the shadows, flashed a knife and demanded my wallet and my top three tips for managing change. Cleverly, I led with explaining the tips. He was so engrossed in writing them down that he failed to notice my hasty retreat. That’s not true (it was actually a different city). But seriously, you try coming up with over eighty introductions to columns…. Anyway, to save you the effort of writing these down I share them below: