Suyoung Cha flunked out of the University of Minnesota at 19 after passing the brutal actuary exams. The aftermath strained his relationship with his parents for years. What came next was a job as a Wells Fargo teller, seven years climbing a corporate ladder, a move to Hattiesburg, Mississippi, and a brand new financial advisor business that made almost no money for a year. Suyoung calls that stretch his crucible. This episode is the story of what the heat burned off.