On a hot, sunny morning last fall, 69-year-old retiree Pamela Chappell of Citrus Heights hit rock bottom. She was scraping by on Social Security checks and a tiny pension while paying for medication to treat her lymphedema, a painful swelling in her legs. Then she got a letter from the IRS warning her that it was about to empty her  savings account of $8,000 — every dollar she had — for back taxes.

Left unchecked, underachievers can drag down an entire team’s performance, and that goes double when the problem staffer is family.

Small businesses that bloom usually succeed by filling a niche that no one else can, offering unique skills, personal service or a killer product. But they also often depend on the know-how of one or a few irreplaceable people. If tragedy strikes them, it can take down the whole firm.

In the hours before Hurricane Sandy hit New York last year, the country’s oldest public hospital thought it was ready.

Michelle Christison knows what successful family communication looks like when it comes to wealth transfer issues. A potential client approached her with a problem — she had money she didn’t need.

Call them the face of the new frugal. Erica Rhyne-Christensen and fiancé Bryant Giorgi, both 27, don’t vacation much. They hardly eat out. Until recently, they rented rooms in a group house for $400 a month each instead of getting solo apartments, and they didn’t have TV.

For all the tales of woe during the real estate downturn, many new homeowners see their purchase as a good move. Debbie Grose, a financial advisor at Lighthouse Financial Planning in Folsom, helped 32-year-old talent acquisition manager Pranav Damle and his wife walk through their decision to buy a 3-bedroom, 2-bath house in Folsom last year.