No matter how long you’ve been frugal, just about everyone wrestles with large bills and debts at some point in their lives. You’ll be going along fine and something blows you out of the water. Maybe it just wipes out the emergency fund, or maybe it does a whole lot more damage, leaving you in a deep dark hole that you slowly have to dig out of. It could be medical, legal, or some act of God that just cleans you out above and beyond anything you can prepare for. (I live in Tornado land, I’ve seen this first hand!)
In my case, I was hit with a string of huge life events over several years that made it feel like I would never climb my way back out of that hole. And let me tell you, the truth really is stranger than fiction. I could not make up the crazy stuff that’s happened to me in the past few years. If I can pay off $30,000 in medical, credit card and consumer debt, anyone can. Let me tell you my story.

Me and my older boys at Starved Rock State Park shortly after the divorce.
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