At eleven-thirty at night, in a guest room turned study space, Megan Brenner sat crying over her CFP books. Her dad was in an assisted living facility after a massive stroke. Two small kids were asleep down the hall. A full-time job waited the next morning. She asked herself why she was doing this to herself, then remembered exactly why. Megan, co-founder of Craft and Sage Wealth in Kansas City, walks Sam through how a small-town upbringing, a stubborn streak, and the hardest season of her life shaped the values she runs her firm by.