As an insurance agent, Atwell said she had spent her professional life helping people protect their assets. It was only with the complications that arose from her son’s untimely passing that she realized there was another side of the equation she had been missing.
“Whenever you pass and your social security information is put in the system, it freezes all accounts associated with that social security number,” she said. “I didn’t know that. Under Oklahoma law, your bank accounts are frozen and used to pay for your funeral expenses. I didn’t realize how much funerals cost. My son had been saving for a house for his family, but that money went to his funeral costs instead.”
The experience of her family having their hands tied by the law taught her important lessons about the need for estate and end-of-life planning. She launched Prairie Fire Consulting with the goal of offering both insurance services and end-of-life and estate planning services to her clients.
“I want to marry those two industries,” she said. “They really go hand-in-hand, as far as covering your current assets and the succession of assets to the next generation once one passes away. It makes sense to have both of those offerings under the same roof.”
To reach this goal, Atwell knew she would need to return to school to complete her education. After a bit of searching online, she learned the degree program she had started all those years ago was no longer offered. Instead, she found that her former college, now PACS, offered an online business administration degree completion program for working adults through OU Online.
“What drew me to it was the flexibility,” she said. “Being an adult learner who works full time, I needed something with flexibility. Being 100 percent online makes it possible. I can’t keep the normal hours of a traditional learner. I have a 4-year-old at home. I have grown children and ten grandchildren. Helping them with their families and operating a small ranch, kicking off a new business, being a wife, being a full-time everything while going to school and still learning how to travel that new journey of grief, learning how to balance all of that was a big challenge to overcome.
“Whenever I’m getting up at 4:45 a.m. to do homework before my 4-year-old wakes up, it gives me time to be able to complete the assignments before they’re due, but not be tied to a schedule I can’t keep. If it wasn’t for that flexibility, there’s no way I’d be able to graduate.”
Atwell was able to transfer 79 of her prior college credits from other schools into her current program.
“My academic advisor made it a super simple process to determine what credits would fill in gaps for my current degree plan and what else was needed for me to graduate in May 2024.”
Once she began taking classes, she quickly remembered how fun it was to expose herself to new ideas and concepts.