Understanding Financial Abuse

Posted on by stilllearning2b
financial abuse

When I first realized that I had been a victim of financial abuse at the hands of my husband, my first reaction was fear. How in the world would I be able to survive, much less rebuild, with the accounts bled dry and the debt growing by the day?

That was followed by anger. How dare he lie to me about our finances for years, pretending to have our best interests at heart while he simultaneously stole my hard-earned money from behind my trusting back? And why was I responsible for cleaning up the mess he made?

But the emotion that persisted throughout? That would be shame.

I berated myself for being stupid, for trusting too much and verifying too little. I felt ashamed at having to consider bankruptcy and embarrassed when I had to ask for financial help from others. I blamed myself for my situation. It was only later that I realized that it was abuse. 

Financial abuse is real. Yet it’s rarely discussed or understood, leaving people vulnerable to its impact and furthering the harm that the victims of this type of abuse face when they try to speak out. As with any abuse, understanding is power.

 

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What is financial abuse?

Any abuse is ultimately about control and manipulation. Financial abuse is no different, only it uses money as a tool to exploit and exert power.

Financial abuse can be overt or covert. Overt financial abuse often occurs alongside physical and/or emotional abuse. In this situation, access to money is knowingly restricted in an attempt to limit the victim’s options. The abuser may limit the other’s ability to earn money or may insist that they control all of the finances.

In covert abuse, the financial manipulations are done in secret. This can take the form of hidden assets that are intentionally withheld from the partner or can appear as concealed debts that are accumulated without the other’s knowledge. The abuser may use marital status to access shared accounts or may take out lines of credit in their spouse’s name. Covert financial abuse is a type of betrayal; lying and hiding become the norm as the person carefully covers their tracks.

As with other types of abuse, the abuser may use gaslighting and projection in an attempt to shift the focus off of themselves. They claim that their spouse is an extravagant spender or they may pretend that they have had a new purchase for a long time. In some cases (raising my hand here), the abuser may even go so far as to create false documentation to match their claims about money.

What does the law say about financial abuse?

When I first discovered that I was the victim of financial abuse at the hands of my husband one day after he left me via text, I assumed that the courts would protect me. After all, taking money from somebody without their consent is fraud, right?

Wrong.

At least in the eyes of the law when you’re married. I learned the hard way that I was the one responsible for all of the debt that he incurred in my name. It didn’t matter that he lied. Nobody seemed concerned that he forged my name for the benefit of others and documents to cover his tracks with me. Because we were married, his financial actions were yoked to my consequences.

From some people I received sympathy. But I never found justice, with one notable exception – the IRS. Without my knowledge, my husband had made changes to our tax returns prior to filing, falsely claiming medical and charitable deductions. Days after he left, I received certified letters from the IRS demanding over $6,000. I used money from a family member to settle the debt and assumed that it was simply another financial hit that I would have to absorb.

And then I learned about Innocent Spouse Relief, a special IRS program designed specifically for the victims of domestic financial abuse that includes tax deception. That letter marking me “innocent” was perhaps even more important than the subsequent checks reimbursing me for his fraud. It felt so good to be believed and absolved of at least some of the consequences.

How does financial abuse affect you?

Financial abuse does not end when the relationship does. In a very real sense, it may take years to rebuild financial security and to shore up a flagging credit score. More subtle, but no less difficult, is the accompanying emotional abuse that stays with you in the form of internalized beliefs and negative self-talk.

Money is about so much more than money.

We equate credit scores with trustworthiness and financial status with social worth. Add to that the embarrassment that comes from being conned and the sense of betrayal stemming from the lies, and financial abuse leads to some pretty difficult emotions.

Interactions with others often feed into the shame and negativity. There was the bankruptcy counselor that chided me for buying healthy food, even after I told her that my husband ran up the debt in my name and kale was certainly not the reason behind the $40,000 in credit card debt that I had been “gifted.” Then there was the rental specialist at the apartment complex that had the power to approve or deny my lease application. When a check revealed unpaid utility bills (another surprise parting gift), he thought it appropriate to lecture me. Again, this was after he knew about my situation. The truth is that most people don’t understand financial abuse and so they have a tendency to blame the victim.

Even ten years out, I still struggle with my relationship to money. I feel guilty when I spend it (even though it’s now within my means), hearing my ex husband’s voice claiming that I am irresponsible. There is an insecurity that I now possess around money; I need a certain amount available to calm my sense of panic.

Financial abuse is complex. It impacts both your bank account and your brain and both require time and sustained effort to recover.

How can you recover from financial abuse?

When it comes to recovery from financial abuse, time is your biggest ally. Your first priority has to be your financial health. Start by taking a critical look at your situation. If this is too much right now (as it was for me in the beginning), ask for help from a trusted friend or family member. Set your priorities – What do you need to pay right now? What alerts can you put on your accounts to protect you from further fraud? What companies do you need to contact to arrange a payment plan? What bills can be ignored for now?

I know it’s hard to face this when it should not be your mess to clean up. Yet facing it is the only way to remove it from your life. One trick I used in the five years it took for me to pay off his parting debts was to jot down a little note of gratitude every time I paid a bill.

I decided to view these debts he left me with as a down payment on a better life. It was then up to me to ensure that it was money well spent.

For me, the emotional recovery trailed behind the financial recuperation. As long as I was still making payments, I found it difficult to shed the shame and the anger. Once the debts were settled and the savings began to build again, I found that I was able to find some peace with the past. I made mistakes that put me in the position where I could be financially controlled. I can’t go back and change those, but I can certainly learn from them going forward.

How can you protect yourself from financial abuse?

Limit the damage that someone can cause. Have some money that only you have access to and maintain some credit only in your name.  Use a credit monitoring service or download a credit app on your phone and check it weekly to make sure there aren’t any unauthorized accounts in your name. Check periodically to ensure that you still have access to any joint accounts and that passwords have not been changed.

Pay attention to any discrepancies between lifestyle and income. Ask questions and don’t be too quick to believe answers that don’t read as truth. Check for evidence that money is going where it is supposed to and that it is not being funneled a different direction.

Be aware of attempts at gaslighting, where your spouse denies reality, perhaps claiming that money wasn’t spent when the evidence points to the contrary. Also, look for situations where you’re falsely accused of spending too much. This may be an indication that your partner is the one burning through funds.

If you have a tendency to be avoidant about financial stressors, be extra cautious. Your difficulty confronting money challenges makes it easier for someone to manipulate you. Work on resolving your own relationship with money so that you’re more comfortable discussing it.

And finally, if you see something, say something. I know it’s scary to face the truth. But once you know what you’re dealing with, you can take action to deal with it.

Taking the Long View

Posted on by stilllearning2b
long view divorce debt

Yesterday was a big day for me.

After two decades of carrying the burden, I finally paid off the last of my student loans.

I have to say, I was a little disappointed in Discover’s response to the zero balance. I wasn’t expecting anything too major, maybe just some balloons dropping down from the ceiling, applause coming through the speakers on my computer and a moderately-sized parade in front of the house. As it was, I had to make do with a sentence sandwiched between the ads for a credit card and a personal loan: “Congratulations. The balance on your student loan account is now zero.”

It’s been a long journey getting to this point. Much longer than planned-for or anticipated.

Life is funny that way.

And in so many ways, this slog back to financial health mirrored the emotional healing from divorce.

I don’t know what my credit score was on the day my world exploded. I refused to look. The last time I had checked, it was just above the 800 mark. But that was before my then-husband maxed out my credit cards, stopped paying my student loans and took out additional credit lines in my name.

I considered bankruptcy. The financial counseling session that I was required to complete as part of the pre-qualitification for the process left such a sour taste in my mouth. The advisor kept questioning my claims about my budget, unable to understand how I ended up in such a mess with a relatively frugal spending pattern. No matter how many times I explained what my husband had done, she didn’t seem to get it.

She blamed me. And I blamed me too.

Not for spending the money, but for being so stupid as to allow it happen without my notice.

So I hung up and took out a pad of paper to work out how I could pay back the money on my teacher salary without resorting to filing for bankruptcy.

I had to be strategic, although I wanted nothing more than for all of those debts to be instantly reduced to zero (and for my checking account to rise above sea level since he had left me with a negative balance). Silently, I yearned for my credit score to again be solid, instead of the shamefully low number that I knew I carried as a virtual scarlet letter, branding me as someone who didn’t have it together.

Over the next five years, I slowly and steadily paid off his parting gifts – a sum total of $80,000, if you include the legal fees that he was ordered to pay and never did. Three years after he left, I finally summoned the nerve to check my credit score. It wasn’t good, but I knew it was better than it had been.

I understood that this wasn’t a quick fix. It may have been destroyed in an instant, but rebuilding was a long game.

But even then, with the bulk of the debt resolved, it wasn’t over. The foreclosure (yet another gift from my ex and a legal system ill equipped to deal with manipulators), still pulled down my credit score, an anchor to the past. And the student loans, which were supposed to be paid off (according to the financial plan I had with my then-husband) in 2012, had instead been relegated to minimum payments in order to focus on the accounts with higher interest rates first.

Last year, the foreclosure dropped off my record, instantly catapulting my credit score almost 70 points. And then yesterday, I wiped out the student loans, which should bring me back up to my starting place of just over 800.

fullsizeoutput_d09

It’s taken 9 years and 51 days to get here (But who’s counting?). There were certainly improvements along the way, some major and some so small that they were barely noticeable. But until yesterday, I didn’t feel as though it was “done.”

And that’s how the emotional work felt as well. I wanted it to be resolved quickly. I told myself that once the legal process was over, I would refrain from looking back.

Yet just as the foreclosure pulled down my credit score, the divorce still weighed down my heart.

It was a long, slow climb back to emotional health and stability. Some days brought great improvement. Most heralded imperceptible improvements. And still others sent me tumbling backwards, leaving me bruised and fearful that I would never make the climb.

Yet, at some point, it happened. Unlike with the financial health, I don’t have a single event that I can point to where I was informed, “Congratulations. The balance on your emotional trauma has now reached zero.” But I can look back at my writing and see a difference. In 2016, there were still posts where I was struggling with trust and abandonment and vulnerability. In 2017, those are absent. And that continues. That doesn’t mean that life is always easy, but it does indicate that I am no longer responding to the events from the past.

Healing from anything requires taking the long view. It demands patience and persistence, especially in those times when progress feels sluggish and uncertain.

Keep at it. One day you’ll be able to look back and realize that it’s no longer a reality, simply a memory.

Shame: The Silent Relationship Killer

Posted on by stilllearning2b
shame

Is shame at the root of your relationship problems?

In most discussions of the common relationship killers, the usual suspects are named: infidelity, finances, addiction, abuse, changes in external demands, or a growing distance between the partners. Yet, there is a silent relationship killer that often lurks underneath those commonly listed reasons and is a contributing factors to many reasons cited for a relationship’s demise. A condition that affects many, yet is rarely recognized and even more infrequently discussed.

Shame.

 

Shame is poorly understood; it is often seen as interchangeable with embarrassment. Yet they’re not the same. You’re embarrassed when your zipper fails and you have to resort to staples to get through the day without an inadvertent indecent exposure charge. You’re ashamed when you live and work alongside financially secure people and you’re wearing pilled and tired attire because you cannot afford new clothes. In the first case, the problem is with the item of clothing. In the second scenario, the clothes are only the surface. The real issue is deeper, perhaps a feeling of being unworthy and inferior.

 

Shame tells you that you are not enough. 

 

Shame is a hidden condition. It hides behind happy faces and lives inside enviable homes. It’s often ignored. Frequently misdiagnosed. And almost always malignant, spreading its blight throughout.

The causes of shame are variable and are often embedded in childhood where the message was either explicitly received or inadvertently assumed. The child that feels unwanted can become an adult burdened by shame. Children who are raised around addiction often assume the blame for the disease. Those that face unending criticism or unachievable goals may continue to feel “less than.”

 

Shame strips you of your power. It makes you feel small and vulnerable. 

 

Shame is toxic to relationships. It encourages secret-keeping by insinuating that if revealed, the person will no longer be loved or even accepted. Shame creates distance between the partners as one feels unseen and the other feels excluded. Shame becomes the elephant in the room, unspoken of yet so big that it has its own gravitational pull. Shame says, “You’re not okay. And if people discover that truth, you’ll be discarded.”

 

Shame wants to be hidden because exposure removes its leverage.

 

Holding on to hidden shame is ultimately a losing battle. It grows like dough set out to rise, stubbornly overflowing its barriers. It manifests in unhealthy behaviors, everything from overeating to toxic masculinity.

And many of those unhealthy behaviors are potentially relationship-destroying.

 

Shame and Infidelity

The causes of infidelity are myriad and complex. And shame is a companion to many of those justifications. When someone is feeling shamed, they may be tempted to exert their power wherever they can. It’s a childlike, “I’ll show you,” reaction that can have disastrous consequences. When feeling less than, any attention from somebody who is “forbidden” will be especially attractive, especially if the shame is anchored in ideas around sex (think about the common Madonna/whore complex).

 

Shame and Money

When a child first realizes that their family does not have the same means as the others, it becomes a shameful secret to keep hidden. No matter how much material success is found in adulthood, that early lesson may remain tucked away. For others, this shame begins when a job is lost or when illness steals away the ability to earn. Our culture places a great deal of emphasis on earning power (especially for men), leaving those on the lower end of the spectrum feeling as though they are inferior.

 

Shame and Addiction

This is such a complicated relationship. If addiction is in the family of origin, shame was a constant companion from the beginning. many people try to silence their shame through the use of substances and then the addiction in turn feeds the feelings of shame. Notice that the first step in any twelve step program is braving the influence of the shame and being willing to admit to having a problem.

 

Shame and Abuse

In the typical abuse cycle, the frustration and discontent builds until there is an eruption of fists or angry words. Then, a feeling of shame and regret prompts the abuser to attempt to make amends. Until the energy builds again and the cycle is repeated. The abused also may feel ashamed, believing that they deserved the mistreatment (hint: they don’t).

 

Shame and Distance

It’s impossible to be truly close to someone who is secretly battling shame. They have walled off a huge part of their history and their psyche. They are afraid of letting you in, of letting you see. So instead, they play a role and pretend to be the person they wish they were. And the most unfortunate and unfair part? You will likely be accused of not understanding them even though you have repeatedly tried.

 

Shame does not have to be a permanent condition.

 

In fact, the remedy for shame is actually pretty simple (although far from easy) – talk about it.

Shame tells you that you’re the only one. Talking about it provides the opportunity for you to hear, “Me too.”

Shame tells you that you will be rejected. Supportive comments and reactions allow for you to be seen and accepted.

Shame tells you that you have to carry the burden alone. Sharing it means that the load is dispersed.

Shame tells you that you’re broken.

Revealing the cracks lets the healing light in.

 

Are you struggling with moving on? Life at the Intersection of Yesterday and Tomorrow is for you.

 

 

Planning On Being a Stay At Home Parent? Make Sure You Consider THIS First!

Posted on by stilllearning2b
stay at home

Are you thinking of becoming a stay at home parent?

 

Brock and I recently finished watching the series Boardwalk Empire, which takes place in the Prohibition-era United States. After watching one heart-breaking scene with a woman and her kids, Brock turned to me.

“It’s so sad how women were trapped in bad marriages or devastated when their husbands left or died back then because of a lack of resources and opportunity.”

“Sadly,” I replied, “It still happens. I hear from women in that very position all the time.”

—–

Circumstances have changed dramatically since the early twentieth century. Staying at home to raise the kids is no longer an assumption, it is generally a carefully made decision. Couples weigh the pros (quality time with the child, no child care costs, more influence on development) against the cons (reduced family income, possibility of isolation or boredom for the parent who stays home, difficulty of re-entering the workforce down the road). It is still usually the female that elects to stay home if that decision is reached, yet increasingly, that role is given to or shared with the man.

The decision to stay home to raise children is an incredibly personal one, with many beliefs and goals entering into the process.

And I am not trying to sway you either way. That choice is entirely yours to make.

I just want you to think about all of the possibilities when you make your decision.

Because I often hear what happens when people don’t.

—–

“I need to get out of this marriage. His drinking is out of control and he’s starting to scare me. I don’t want to raise my kids in this environment. But I don’t have any money and I don’t work. What can I do?”

“My tsunami divorce happened when he sent me an email and then left. The courts ordered that he pay child support, but he’s only made a couple of payments in the last year. I stopped working 10 years ago to raise the kids and I can’t seem to get a job now. What do I do?”

“We always seemed to be okay financially. But then when she died, I learned that there was all kinds of debt I didn’t know about. Since she was the primary bread winner, we decided that I would stay at home when the kids were young. It’s been so long now, my former industry has changed. What should I do?”

I hate reading these questions. I wish I could help them into a time machine and take them back along with the knowledge that they needed to form a contingency plan along with their child care plan.

And I get why people often don’t. You don’t believe that it can happen to you.

—–

I was lucky. Even though I did a lot of things wrong in my marriage (secure in the belief that my husband really meant til death), I had my own career and my own income. My situation was also made significantly easier by the fact that we did not have children. I only had to worry about my own survival, not that of any offspring.

I didn’t follow up enough with the financial conversations that we had to ensure that his words matched the ledgers. I didn’t keep up with the myriad accounts, trusting that he had our best interests in mind. I didn’t have my own money, separate from his reach. I didn’t have an emergency plan for what I could do if the worst came to past. I allowed him access to my preexisting credit card. I didn’t know that he had canceled (or simply neglected to pay) the life insurance policy that let me sleep at night. And I trusted the courts would enforce their ruling that he was to pay me back.

I trusted him to take care of us. Of me. And I neglected to take care of myself.

And those mistakes cost me money.

If I had been a stay-at-home mom who made the same mistakes, the results could have been disastrous and so much larger than just a financial hit.

Because here’s the scary, sad and so-not-fair truth – It can happen to you.

You may find yourself wed (and dependent upon) an abuser. Scared to stay and yet unable to leave.

That same spouse that was so supportive of your staying home may decide that he or she no longer wants to return home.

The perfect parent may suddenly morph into somebody refuses to pay child support.

And through no fault of their own, your husband or wife may be struck down before their time.

And so as much as you hate to , consider those worst cases while you’re making life changes. Your life – and your kids’ lives – may depend upon it.

—–

If you are the partner who will be staying home, consider implementing the following as part of an emergency preparedness plan:

-Build an emergency fund that you have access to. If your spouse also has access, make sure that you periodically check to ensure it’s there. It really doesn’t have to be some great amount. Just enough so that you never feel trapped in that moment because of a lack of funds. This isn’t meant to be a primary savings account or some source of anxiety. Just a small insurance tucked away, hopefully never to be needed.

-Have at least one credit card in your name with a reasonable limit. One problem people often face after staying at home for a period of time is that their credit takes a hit. Use the card at least every few months and then pay it off to keep your credit score high.

-Before you decide to stay home, develop some education or job skills as well as some experience. It’s never easy to return to the working world after a break, but it’s a little easier if you’ve been there before and had something to offer.

-Consider work you can do part-time or from home. Even if the pay is not great, it is something and it keeps you from feeling powerless.

-Maintain connections with people who are in the working world.

-Build and nurture a safety net of friends and family.

-Stay sharp. Enroll in free online courses. Take on freelance gigs that relate to your former career. Keep up with the changes and developments in your industry.

-Have an outline of a “If the sh*t hits the fan plan.” Hopefully the outline grows faded and dusty. But if it’s ever needed, you’ll be so glad you put some thought into it when you could still think rationally.

-Have a pulse on the relationship and the family’s financial standing.

-If divorce is in the picture, don’t assume that alimony or child support will be awarded or promptly paid. Try to put yourself in a position where that money is nice, but not needed.

—–

There are times when you have to be dependent upon somebody else.

And that’s okay.

But never allow yourself to become dependent upon being dependent.

Because that’s a risk that may end up being too big to take.

This is one area where the motto I learned from the residents of a remote – and harsh – Alaskan town applies:

“Prepare for the worst. Expect the best. And live for today.”

Because even though it can happen to you, I hope it never does.

I just want you to be prepared just in case.

So that you are never in a position of asking somebody the unanswerable question, “What can I do now?”

Planning On Being a Stay-At-Home Parent? Make Sure You Consider THIS First!

Posted on by stilllearning2b
stay at home

Brock and I recently finished watching the series Boardwalk Empire, which takes place in the Prohibition-era United States. After watching one heart-breaking scene with a woman and her kids, Brock turned to me.

“It’s so sad how women were trapped in bad marriages or devastated when their husbands left or died back then because of a lack of resources and opportunity.”

“Sadly,” I replied, “It still happens. I hear from women in that very position all the time.”

—–

Circumstances have changed dramatically since the early twentieth century. Staying at home to raise the kids is no longer an assumption, it is generally a carefully made decision. Couples weigh the pros (quality time with the child, no child care costs, more influence on development) against the cons (reduced family income, possibility of isolation or boredom for the parent who stays home, difficulty of re-entering the workforce down the road). It is still usually the female that elects to stay home if that decision is reached, yet increasingly, that role is given to or shared with the man.

The decision to stay home to raise children is an incredibly personal one, with many beliefs and goals entering into the process.

And I am not trying to sway you either way. That choice is entirely yours to make.

I just want you to think about all of the possibilities when you make your decision.

Because I often hear what happens when people don’t.

—–

“I need to get out of this marriage. His drinking is out of control and he’s starting to scare me. I don’t want to raise my kids in this environment. But I don’t have any money and I don’t work. What can I do?”

“My tsunami divorce happened when he sent me an email and then left. The courts ordered that he pay child support, but he’s only made a couple of payments in the last year. I stopped working 10 years ago to raise the kids and I can’t seem to get a job now. What do I do?”

“We always seemed to be okay financially. But then when she died, I learned that there was all kinds of debt I didn’t know about. Since she was the primary bread winner, we decided that I would stay at home when the kids were young. It’s been so long now, my former industry has changed. What should I do?”

I hate reading these questions. I wish I could help them into a time machine and take them back along with the knowledge that they needed to form a contingency plan along with their child care plan.

And I get why people often don’t. You don’t believe that it can happen to you.

—–

I was lucky. Even though I did a lot of things wrong in my marriage (secure in the belief that my husband really meant til death), I had my own career and my own income. My situation was also made significantly easier by the fact that we did not have children. I only had to worry about my own survival, not that of any offspring.

I didn’t follow up enough with the financial conversations that we had to ensure that his words matched the ledgers. I didn’t keep up with the myriad accounts, trusting that he had our best interests in mind. I didn’t have my own money, separate from his reach. I didn’t have an emergency plan for what I could do if the worst came to past. I allowed him access to my preexisting credit card. I didn’t know that he had canceled (or simply neglected to pay) the life insurance policy that let me sleep at night. And I trusted the courts would enforce their ruling that he was to pay me back.

I trusted him to take care of us. Of me. And I neglected to take care of myself.

And those mistakes cost me money.

If I had been a stay-at-home mom who made the same mistakes, the results could have been disastrous and so much larger than just a financial hit.

Because here’s the scary, sad and so-not-fair truth – It can happen to you.

You may find yourself wed (and dependent upon) an abuser. Scared to stay and yet unable to leave.

That same spouse that was so supportive of your staying home may decide that he or she no longer wants to return home.

The perfect parent may suddenly morph into somebody refuses to pay child support.

And through no fault of their own, your husband or wife may be struck down before their time.

And so as much as you hate to , consider those worst cases while you’re making life changes. Your life – and your kids’ lives – may depend upon it.

—–

If you are the partner who will be staying home, consider implementing the following as part of an emergency preparedness plan:

-Build an emergency fund that you have access to. If your spouse also has access, make sure that you periodically check to ensure it’s there. It really doesn’t have to be some great amount. Just enough so that you never feel trapped in that moment because of a lack of funds. This isn’t meant to be a primary savings account or some source of anxiety. Just a small insurance tucked away, hopefully never to be needed.

-Have at least one credit card in your name with a reasonable limit. One problem people often face after staying at home for a period of time is that their credit takes a hit. Use the card at least every few months and then pay it off to keep your credit score high.

-Before you decide to stay home, develop some education or job skills as well as some experience. It’s never easy to return to the working world after a break, but it’s a little easier if you’ve been there before and had something to offer.

-Consider work you can do part-time or from home. Even if the pay is not great, it is something and it keeps you from feeling powerless.

-Maintain connections with people who are in the working world.

-Build and nurture a safety net of friends and family.

-Stay sharp. Enroll in free online courses. Take on freelance gigs that relate to your former career. Keep up with the changes and developments in your industry.

-Have an outline of a “If the sh*t hits the fan plan.” Hopefully the outline grows faded and dusty. But if it’s ever needed, you’ll be so glad you put some thought into it when you could still think rationally.

-Have a pulse on the relationship and the family’s financial standing.

-If divorce is in the picture, don’t assume that alimony or child support will be awarded or promptly paid. Try to put yourself in a position where that money is nice, but not needed.

—–

There are times when you have to be dependent upon somebody else.

And that’s okay.

But never allow yourself to become dependent upon being dependent.

Because that’s a risk that may end up being too big to take.

This is one area where the motto I learned from the residents of a remote – and harsh – Alaskan town applies:

“Prepare for the worst. Expect the best. And live for today.”

Because even though it can happen to you, I hope it never does.

I just want you to be prepared just in case.

So that you are never in a position of asking somebody the unanswerable question, “What can I do now?”