Thwip, thwap. Thwip, thwap.

The windshield wipers slamming back and forth trying to keep up with the pelting rain only added to my irritation as I adjusted to driving the used car I had just purchased—an old station wagon with 80,000+ miles and no side-impact airbag protection for the kids.

To get this station wagon, and some badly needed cash for groceries, I had sold the last “treasure” we owned: a 1992 Volvo station wagon with side-impact airbag protection for the kids. By then, everything else was gone. Our house and our savings had all disappeared under the weight of uncovered medical…