Boy is it cold out there. For me, a Miami boy, this is skin-peeling cold. I know because I just walked four blocks up Broad Street in this wind. I was walking to visit my friend Josh at the Red Shield Shelter. Josh is the Business Manager at the shelter, a residence for homeless families, and he is responsible for tracking the residents’ savings. Each resident is working towards finding an apartment or home of their own, and as they search, they are required to save part of their income (whether that income is from actual labor, or from disability, veterans or other sorts of social welfare benefits). Residents therefore have a savings goal. This goal is one of the keys to their future independence.