Get Smart

My brother, who has a history of being slightly financially reckless (but always lovable), came up with a clever scheme for the summer. He's working as a driver for a financial adviser, and they agreed on withholding half of my brother's pay until the end of the summer. In the fall, he'll get the other half of his pay for the entire summer. It's a built-in savings plan, and it's pretty darn smart.