At around 3:30 a.m., working two pharmacy jobs, Dr. Joel Tchafack fell asleep at the wheel and woke to one question: what would my wife have had? In The Caregiver’s Financial Code, Dr. Joel Tchafack, PharmD, a pharmacist and licensed insurance agent married to a nurse, offers healthcare workers a clear, no-hype financial checkup for protecting the people who depend on them.