When facing financial ruin, individuals must accept responsibility for their circumstances rather than waiting for someone else to fix their problems.

“And in those moments, if you are like me, you wallow for a good 6 months to a year and you feel sorry for yourself and you [ __ ] about how unfair life is and you look around and you wish that somebody was going to come along and save you and fix your problems. And at some point you wake up and real”