I couldn’t believe the message I was hearing: “Do you want to start the New Year by getting out of debt? Declare bankruptcy!” Worst. Financial. Advice. Ever.
When your life of luxury (or even stability) changes and not for the better, don’t be like the denizens of Downton Abbey and wait too long to adjust to your new circumstances.
“This life is over for us. It won’t come back. … I’m afraid we held on for far too long, and now there’s nothing left. Learn from us!”