I was getting a ride to a tournament from my apartment in Philadelphia. In the front of the car were Adele and Bernie Kotzen. Adele was one of the more successful female players in Philadelphia in the sixties. Her husband, Bernie, was a salesman who liked liked to brag about his family. As we were well underway Bernie turned to me. He boasted that his son in law, who was very wealthy, was a self made man. Bernie kept on telling how his son in law had made all of his money all by himself.