Being 38 years old and only making $50k a year is a tough spot to be in to begin with. But to be dead broke on top of that that’s rough. I talk about how this person can get out of this situation and move forward and increase their income. And that increase an income is needed in general because the amount of household debt just reached a new all-time high at the same time the amount of accounts in collections,from past due debt as reached an all-time high. What does that say about the economy?