George and Martha met and married in the 1940s. George was an accountant. He had a job with a small CA firm. Martha was a secretary in an insurance agency. As was customary in those days, she left her job shortly after the wedding to concentrate on wifehood and motherhood – George’s salary wasn’t much, but it was steady, and so was he. The world seemed secure and cozy. To make it more so, at the suggestion of Martha’s father, a small businessman, the young couple sat down with a financial counselor and constructed a Long-Range Plan.