C ongratulations. After four years of hard work, you—or your son or daughter, or grandson or granddaughter, or neighbor or niece, or other sort of ramen eater—are graduating from college. It wasn’t easy. It was probably also very expensive. You may have thought, I’m not sure I will make it . I thought that too. And I remembered that feeling when I dropped in, last night, for late-night custard at Famous Local Diner With Not-So-Secret Custard. But I did make it, and so did you. And here we are