It was 2008. I had lost my job as a long haul trucker. I had caught a blood clot in my leg and lungs. US Department of Transportation regulations required that I stay off the road for six months. As it turned out, I would be out of work for four months and underemployed for two more years.

Marlyn, my wife of over 30 years still had a good job with a strong 401k and plenty of vacation time. But we had grown
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