Rick was born in Milwaukee, Wisconsin, but moved to St. Louis shortly after birth. The son of a State Farm Insurance executive, Rick grew up in the insurance industry, ultimately moving to Columbia in 1979. After graduating from Hickman High School in Columbia, he attended college at the University of Missouri graduating in 1990 with a Bachelor of Science in Business Administration and majors in both finance and marketing. He graduated from the University of Missouri School of Law in 1993.
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