"Reflection," by Richo.Fan https://flic.kr/p/7v6eEk

“Reflection,” by Richo.Fan https://flic.kr/p/7v6eEk

Two years ago…

We were getting our financial heads above water for the first time in a long time. We had just refinanced our mortgage at a great rate. The only debt we had was our mortgage and our son’s truck (college graduation gift). We were giving generously, saving regularly, and spending wisely.

My family had just said goodbye to my mom, and we were helping Dad and each other adjust to her being gone.

The lovely and gracious MrsCharphar had just started at yet another school, having been transferred again. It was the closest to our home she had ever been.

Many in our nation were hoping for a new season of liberty and prosperity, as we looked forward to a presidential election.

All in all, things were looking pretty good.

But what a difference two years makes…