They had long since lost their dream home. If he sees a small boy approaching him, he will stop and go the other way. The once happy young couple is now consumed with the nightmare of what happened. Dying broke, for Frank and Sandra, no longer seems an option. It seems to be their only alternative.
Financial planning is always about the future.
Frank and Sandra believe that they have no future. They believe that the stigma of their past will always be in front of them. In fact, they moved 1500 miles away from the city they once called home. Imagine having two little boys lie about you, claiming that you molested them and then being sentenced to five years to life. Imagine not knowing whether or not you will ever get out, and at the same time, knowing you are innocent.