Daniel Graham MacCormick—Mac for short—seems to have a pretty good life. At age thirty-five he’s living in Key West, owner of a forty-two-foot charter fishing boat, The Maine. Mac served five years in the Army as an infantry officer with two tours in Afghanistan. He returned with the Silver Star, two Purple Hearts, scars that don’t tan, and a boat with a big bank loan. Truth be told, Mac’s finances are more than a little shaky.