My husband was also diagnosed with congestive heart failure when he was 41. Our children were 5 and 2. He had no risk factors--lifelong nonsmoker, no high blood pressure, no high cholesterol, completely clear arteries according to the subsequent heart catheterization. His cardiologist said the cause was most likely a virus. The good news is that with his meds (Accupril, Coumadin, Demadex, Lanoxin, and Lopressor, plus potassium) and regular monitoring by his internist and cardiologist, he has now lived to 58. His ejection fraction is below 20%, but he is able to work (not physically strenuous). He walks regularly, but does not run, in part because the meds keep his heart rate slow. He had a defibrillator implanted 3 years ago. The surgery was simple, but it took some adjustment to get the settings right. His defibrillator went off a couple of times (he said it felt like a baseball bat to the chest) before the correct adjustments were made. Good luck to you.