First to finish

Carter Smith worked as much as he could last summer and saved every extra dollar. He has a scholarship, but he still keeps a backup fund. When money has been tight your whole life, you do not stop worrying just because the numbers look better on paper. “I’ve always been very financially focused,” he says. “Maybe even to a fault.” That did not come from nowhere. Carter is the oldest child. His parents were young when he was born, and money was tight throughout