Sometimes unexpected things happen in life. We call those setbacks. Last month, we had a big setback. The check engine light in our car came on and the heat simultaneously went out. So, like responsible adults, we took it to our mechanic. He looked into it and we found the cause: we needed a new engine. Now, I don’t know if you’ve ever had to replace the engine in your car (you’re lucky if you haven’t), but it is one of…