OMG I FOUND IT!
Windows Phone... you sneaky little doggy you!!!!
Here's how you do it... go to Settings > Keyboard > Typing Settings
Then at the top, it doesn't even look like a button or anything but it says "Keyboard: English tap here to change" (or whatever language you have) and I didn't even think to tap that because the previous screen (before you tap Typing Settings) has you choose what region / language you want to use.
So you tap there and PRESTO! You get LOTS of options for your keyboard that have nothing to do with changing the region / language like correcting misspelled words, suggesting text, capitalizing the first letter after a period... etc.