If you take financial advice from this column, in the future, you may not be able to afford to read this column. That said… let’s talk digital currencies. There are more than 18,000 cryptocurrencies on the market but what is it? Most agree it’s a digital currency that operates outside the traditional government/banking control, instead using public ledgers known as blockchains. But did you know that anyone can make a digital currency with a little coding? Yes, you and I can make our own digital currency. Late Show host Stephen Colbert’s crypto is called Ijustmadethatupeum. But is it a currency?