During World War II, Rachel moved to Baltimore, Maryland to work for The Glen L. Martin Company (now part of Lockheed Martin). It was in Baltimore that she met the love of her life, Eugene “Bucky” Waters, a Johns Hopkins University student and fellow resident of her boarding house. After a 2 year courtship, Bucky proposed and they were married on June 30, 1944. During the early years of their marriage, Rachel and Bucky resided in Sparrows Point where Bucky worked for Bethlehem Steel; Rachel worked as a stay at home mother to their 4 children. In 1960, the family moved to the Chatterleigh neighborhood in Towson (1001 Concordia Drive) where they remained for 52 years. Rachel was an active member of the Maryland Presbyterian Church, enjoyed a garden club and participated in a weekly bowling league; she continued bowling until the age of 95. After her husband retired, the Waters held routine cocktail happy hours on their patio for everyone who wanted to come. In 2012, Rachel moved to Mercy Ridge where she resided until her death. Known as "Mumsy" to those closest to her, she was the beloved matriarch of her family and will forever be missed.

Rachel is survived by her children Barbara Vash of Los Angeles, California, David Waters of Tequesta, Florida, Marsha Ficken of Fairfax Virginia, and Mark Waters of Atlanta, Georgia, grandchildren Courtney Ficken, Amy Jackson, Steven Vash, Kyle Waters, Alex Waters and Michael Waters; great grandchildren Ozzie and Eddie Waters, and Kinley, Easton and Harper Jackson.

A celebration of life will be held at a later date. In lieu of flowers contributions may be sent in Mrs. Waters' memory to: The Mercy Ridge Scholarship Fund, 2525 Pot Spring Road, Timonium, Maryland 21093, or the Mercy Ridge Employees Appreciation Fund at the same address.