The pastor raises his hands and loosely smiles at the Sunday regular crowd. Satisfied, he begins his prayer. "Dear Lord, let our children find prosperity . . . "

Remember when our dreams were simply slips of paper, scrawled in minutes, torn with careless confidence, and tacked to beams that crossed through darkness overhead in the attic above your room?

I remember him, but not his name; stoic, a keen intellect, just shy of government-sanctioned retirement age. A mountain of hospital bills added to the depression he was being treated for.

Born of fierce independence and intent on passing this on to his children, my father required us to learn from his excellent financial acumen.