I was almost a 7-year-old hobo. Nearly 50 years ago, while awaiting the start of my second-grade reading class, I noticed a dollar bill sitting along the crack between my desk and the desk of a classmate sitting next to me. Over the next few minutes, as students filed into the classroom, that lonely dollar bill just sat there unnoticed and undisturbed. It was the start of my most vivid childhood memory — and my most impactful childhood lesson.