You were a little rough and snapped someone's wrist completely backward. Now you're the one who needs help.

You're in a physical therapy program; it's the internship in gerontology that's tough. You were observing a PT work with a 100-year-old nursing home resident, and the patient expired right before your very eyes. That's when you decided to go into sports-injury therapy. Pain, yes, but less right-in-front-of-you death.

You have an advanced certification in sports physical therapy, and you were at the top of your class. A big-cheese football star hears about your prowess as a PT, and hires you on as his personal physical therapist. It's a great, lucrative gig. Plus, you've always loved football.

Through word-of-mouth, you've developed a big clientele of sports celebrities. You work hard, but you play hard, too, so much so that you hire your own personal PT to keep you in shape.

Your big-time sports buddies have pooled their funds and backed your venture of a chain of physical therapy clinics. It's a success, and in a few years, you're the CEO of a 500-store chain of PT clinics. You're rich and happy and everything is going your way—except for your back. It hurts. Time to call your PT.