Ricardo Jimenez didn’t really know what he wanted to be. At one point, he thought he’d figure it out in college, like most young adults in America plan to do. He’d enrolled at the University of California, Merced, in August 2020, but just as soon as he started to make sense of the world around him, a pandemic morphed it into something else altogether.

He chose to major in a management, business and economics program to learn the ins and outs of enterprise. Rather than fall to the mercy of a volatile job market, he wanted to own his own business. Be his own boss. But even after he started his second year, he still had no clue what kind of business he wanted to run. The only clear thing was that any student debt would only delay his plans. So he got his commercial driver’s license and took

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