For Clearwater's Jane Morse-Swett, the decision on what to do next after over 20 years in the field of oncology came to her in the wee small hours.

"Three o'clock in the morning one morning I woke up and I thought, "I know what I'm going to do. I'm going to start my own foundation."

Morse-Swett went on to create "Women with Purpose," which helps cancer families with non-medical financial assistance.

"We would help with rent, mortgages, electric bills, car insurance, car repairs, car payments," Morse-Swett explained.

The nonprofit also helps cancer patients and families with day-to-day expenses by providing gift cards for gasoline and grocery stores.

Morse-Swett went on to describe how financial problems that follow a cancer diagnosis can be devastating.

"Sixty-three percent of bankruptcies in this country are due basically to cancer, to any disease," Morse-Swett said. She also pointed out that it's often single mothers who face these battles alone.

Everyone aiding as part of "Women with Purpose" is a volunteer, and with community support 95 percent of the money they collect goes to the foundation's recipients.

"This is a full-time job for me," Morse-Swett said. "And it's just heart-wrenching not to have funds to really help everybody that needs that help."

She also made it clear when Women with Purpose steps in to help, they're in it for the long haul.

"I don't do a one-time gift to patients," Morse-Swett explained. "I try to help them -- for as long as we have the money, we'll help them."