Mr. Roy E Disney is a 50-year old widower with 3 children aged 16, 14, and 12. He works as a care salesperson for the local Toyota dealership and is on a strictly commission sales plan. He has averaged earning about $65,000 per year over the last few years. There is no risk he will lose his job. Roy owns his own modest home and has an affordable constant payment mortgage on it. He doesn’t have any other debt. As a car salesperson, he has an above average tolerance for risk. All of his children are very smart and plan on attending college when they turn 18. Roy’s wife died of cancer and he is very sensitive to this and would like to help find a cure. Even though Roy makes a decent living, he tends to spend all of his take home pay.
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