When I was twenty, at the beginning of my marriage, I was preoccupied with saving money to eventually own an apartment. I opened a bank account and every month I’d set aside a small amount from my modest income instead of going to restaurants or on vacations. Jerzy laughed at me. He was already in school, pursuing a higher degree in fire engineering to reap the benefits of a better income and housing—he thought my plan was silly. At the rate I was saving, he predicted it would take decades for us to save enough to purchase an apartment. But I had the last laugh because in five years I had accumulated enough for a down payment.