There was a time when I hit rock bottom. I was in financial ruin and had no idea what to do. At 22 years old, I was over $40,000 in debt, and had nothing to show for myself. Hadn’t finished school, no student loans, it was just pure ignorance in how to manage money. I had finally collapsed under the unbelievable amount of stress because of my mistakes.
I made a decision to just let everything go. I had lost my give a damn. I had collectors coming after me, and figured, what’s the worst that can happen. I’m already broke, they can’t take anything more from me. Let ‘em all sue me; it’s not like it’s going to do anything. I started thinking bankruptcy was the option.
Something in me made me want to change, although I had gained this persona and made the statements of “who cares”. I still felt like a failure, and I didn’t like that feeling. I made a vow to figure out how to change my life, and to do that, I needed to learn.