Joan Lachey reflected on her career as she sat in the waiting room. She had busted her tail to succeed in the corporate world after college. Twelve years of Catholic School had made her a survivor. She married early in her career, but even having two children didn't slow her down as she began climbing the corporate ladder. Finally it had all paid off. Years of hard work and determination had landed her a job as vice president of sales or a very successful dot com company. It had meant uprooting her family and moving to another state: Something her husband had somewhat resented. But the money was more than worth it. Unfortunately for Joan, that success would be short-lived. She had been in the position only six months before the beginning of the stock market downturn destroyed many of th