Acknowledgments

When my parents contemplated sending their five children to college, they concluded that my mother would have to start teaching again to help pay the education bills. My parents had always been frugal—I don’t recall eating a single steak growing up—but frugality couldn’t cover what they faced: 20 years of college costs.

Because my mother, who had left the teaching profession when her oldest child was born, headed back to the classroom, my parents managed to cover the college expenses of their kids. They watched all five of us graduate from the University of Missouri without going into debt.

At the time, I didn’t dwell on my parents’ amazing accomplishment, but as I fretted about how my husband and I were going to pay the college ...

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