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Matt Rose was born in Salina, Kansas, in 1959. Both his parents were born and raised there, so when the family and six-year-old Rose moved to Kansas City, Missouri, it was a bit traumatic.

"I was the youngest of three children," says Rose. "My grandparents had helped raise me and my sisters. Moving away from that safety net was a big deal for my parents. I think it made my immediate family closer because we had to rely more on each other."

Rose's father, who was college-educated, worked with transportation providers, both railroads and trucking companies, to move grain, fertilizer and feed.

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Two nights a week, he supplemented his income by teaching transportation classes at the University of Missouri. Rose's mother worked several part-time jobs. She was a seamstress and also taught classes at the YWCA. "One thing my parents were committed to was a college education for their children," says Rose.

"They were determined that all three of us would earn degrees, and they started saving