When Alice was six years old, living in the fruit hills of northern Indiana, her father died unexpectedly of a heart attack. Fortunately, he had taken the time to buy life insurance and as a result, her mother was able to forge ahead with the family business, and take her time making important financial and life decisions for Alice and her two brothers and sister. That was a blessing, because four years later her oldest brother died when he was a senior in high school. Fortunately, the emotional pain and loss of these relationships was NOT compounded by money problems. Although these events &