I’ve got something different today.

No “we” or “our.” No musings about things you may not have thought of before.

Just you. Just me. And something I’m sure you’ve thought about a lot.

This is the start of something big.

You see, my readers mean the world to me. I get up every morning excited to pick up my pen and share my thoughts. The feedback I’ve received since starting this column several years ago has been tremendous.

But I recently got a note from a reader who was, well, a bit different.

I immediately printed it out and taped it to the wall of our office. I wanted the team to see it every day.

It’s a reminder of why we do what we do.

It’s a note from a reader named William.

Here’s how it starts…

I used to have a good job, nice house, great wife, perfect life.

But in 2005, it all changed.

My wife contracted lymphatic cancer. She battled it for one and a half years, but the treatment ended up killing her.

Things went downhill from there.

The medical bills were too much. William lost everything.

He was forced to file bankruptcy. Now he relies on Social Security.

Here’s the worst part though. He’s tried to start over. He’s done what the textbooks say he should.

But he’s gotten only as far as most get…

I want to climb out of this hole. But I’ve never invested in stocks or made trades. And most of what I’ve read in the financial press is about as clear as mud.

I talked to three different stockbrokers that each left me counting my fingers after shaking their hands.

They left me feeling totally scared, threatened and stupid.

It’s a story I’ve heard a lot.

But then William did something that may change not just his life but also yours.

He put some serious weight on my shoulders…

But your words give me hope that I can turn my life around.

He ends with some questions and a powerful proposition to prove that I am different.

So how do I get started? How do I make a trade? Do I have to use a stockbroker?

I would appreciate your help pointing me in the right direction. I know you’ll be absolutely honest and forthcoming.

I’ve accepted the challenge… and turned it into one of the biggest and most important endeavors of my career.