How does someone who is making nearly $150,000 per year go broke?  I think you really have to try hard.  Sometimes people just don't take action fast enough, it's denial, and by the time reality sinks in, it is usually pretty late in the game.  The worst part about it is that it is so very hard for them to face up to the fact that they are responsible.  Secondly, they don't know who to talk to about it and are embarrassed getting help - they don't really want to tell their friends, so how can they get a referral for someone they can trust?

It's hard, and I've seen it take a huge toll on relationships, but it can be done, and any relationship that can survive this will be stronger and better for it.

If you know of someone who is in this position, advise them to start using cash only for as much of their spending as possible - put away all the credit and debit cards.  Systematic and consistent work can take the problem away.  BTW, my email door is always open and I am willing to help at no cost, no strings attached - I've been through it too, and I am hap
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