A well thought out plan for getting insurance money that went wrong.  This is my second time listening to all the stories and I did remember pretty much the whole story, so something stood out in it for me (besides my own plans mimicking this plot, except that I'm married with 4 kids and I couldn't get away with it).  I guess I didn't remember the wino/drunk/bum part of the plan, but I guess there always has to be a murder...