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Ten years ago, Alice Wood was living a normal life, balancing her career, family, and finances with con dence. Having grown up with a father who was a bank president from the pre-branch banking era and a mother who was influenced by the Great Depression, Alice learned prudence and financial responsibility at home. She knew instinctively how to handle money, until a brain injury sustained on a commercial airplane changed her life. After the injury, Alice encountered many new challenges; for the first time in her life she was overweight and in serious debt. Weight Watchers allowed Alice to lose the weight and keep it off. Inspired by Weight Watchers' daily discipline of journaling and the principle of group accountability, she decided to create a new and radically simple program to reclaim her financial stability.