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When Joe Phillips was 22, he asked a cute girl named Heather to a Psychedelic Furs concert but stood her up at the last minute -- he had second thoughts about dating a girl who was only 16 and his boss's daughter. Joe and Heather laugh about it now: They got m
arried eight years later, and Joe climbed the ranks in his father-in-law's architectural firm while Heather focused on their four children.
As business boomed during the '90s, the Phillipses' income rose to $145,000, and they bought a five-bedroom vacation house on Maryland's Eastern Shore for $90,000. Heather's father also agreed to sell the company to Joe over a 15-year period.
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