Can anyone summarize this?: Robin in Kansas City and her husband started working through the Baby Steps in 2006 and got life insurance, a will, and by 2009, they were debt-free but the house. They had an emergency fund, and then her 36-year-old husband was killed while abroad visiting family. She and her son were okay financially. They had a son in 2002 who died at eight months old and they struggled during that time, so Robin is thankful she could grieve in peace when her husband died.