Sonya, your story reminds me a lot of my mother, only her security came from share investments and wisdom. I lacked for nothing and never even imagined that we might not be well off.

Skip forward 20 years and she is comfortable, debt free and enjoying herself. I'm well educated, with my own family and in a great job.

Your children's successes will be a huge payoff for you in the future, and they will appreciate your sacrifices.

Tom