As an adult, I never had debt (except for car and house payments) until the summer 2017. At that point, with a significant amount of money saved up, I quit my corporate job and started a business from home. At first, the decision was exhilarating; I woke up every morning driven by purpose and peered into a future with endless possibility. There was no doubt in my mind; financial independence and peaceful days spent at the beach were just around the corner. But, before long, revenue stagnated and expenses increased. By the end of year one all my cash had run out. To stay afloat I dipped into long held CD’s and mutual funds; not just to support the business, but to cover basic household expenses, like rent and groceries. When that money was gone I took a chunk out of retirement before resorting to unsecured loans and credit card debt. By the time I went back to work I was broke with no savings and over $75,000 in debt. For the past year and a half I have worked to bring that sum under control. There is still a large amount to be paid back but, I am proud to say, it is considerably smaller, and I can see the path out. Ironically, the lesson learned was not achieving financial acumen by growing a successful business but rather, learning how to deal with money by overcoming the fallout of a failed one.