Was it common, or even accepted, for women to accumulate wealth and then pass it on to a gal pal rather than a spouse or family member? Even today, legal processes like wills and power of attorney tend to be narrowly focused on the two wearing wedding rings, and ignore the third party with one-half of a Best Friend necklace dangling around her neck. One answer might lie in the story of an early American shero, Elizabeth Murray Campbell Smith, who accumulated all of those names through marrying thrice over, who opened her own shop in Boston at age 23 and who was a real tough cookie in personal and professional negotiations.