WINCHESTER, Va. — It's 6 a.m. and still dark outside. But Adrienne Rumley's two-bedroom apartment is alive with kinetic energy. A 4-month-old kitten darts around. A big dog patters back and forth.

Forbes contributors publish independent expert analyses and insights. Jasmine Browley's a Chicago-based writer covering millennials at work. This voice experience is generated by AI. Learn more. This ...