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Three of his most important clients and best friends shot themselves within months of losing their fortunes, and it took another two years for John to give way to despair himself. Kate scarcely saw him during those two years. He had closeted himself in an upstairs bedroom, seldom saw anyone, and rarely went out. The bank his family had established, and which he had run for nearly twenty years, closed within two months of the crash. He became inaccessible, removed, reclusive, and the only thing that ever cheered him was the sight of Kate, who was only six then, wandering into his rooms, bringing him a piece of candy or a drawing she had made for him.

As though sensing the maze he was lost in, she instinctively tried to lure him out again, to no avail. Eventually, even she found his door locked to her, and in time her mother forbade her to go upstairs. Elizabeth didn't want her to see her father, drunk, disheveled, unshaven, often sleeping the days away. It was a sight that would have terrified her, and broke her mother's heart.

John Barrett took his life almost two years after the crash, in September 1931. He was the only surviving member of his family at the time, and left behind him only his widow and one child. Elizabeth's fortune was still intact then, she was one of the few lucky ones in her world whose life had been relatively unaffected by the crash, until she lost John.

Kate still remembered the exact moment when her mother had told her. She had been sitting in the nursery drinking a cup of hot chocolate, holding her favorite doll, and when she saw her mother walk into the room, she knew something terrible had happened.

All she could see were her mother's eyes, and all she could hear was the suddenly-too-loud ticking of the nursery clock. Her mother didn't cry when she told her, she told her quietly and simply that Kate's father had gone to Heaven to live with God. She said that he had been very sad in the past two years, and he would be happy now with God. As her mother said the words, Kate felt as though her entire world had collapsed on top of her. She could barely breathe, as the cocoa spilled from her hands, and she dropped her doll. She knew that from that moment on, her life would never be the same again.

Kate stood solemnly at her father's funeral, and she heard nothing. All she could remember then was that her father had left them because he had been too sad.