Josh: Just wanted to find out a little bit more about what you’ve learned, I guess on a personal level, or what kind of things seem to help changing behavior wise, thinking wise to get out of financial hardship, poor spending habits. Any suggestions?

Samira: Yeah. The biggest issue that I see is the managing of money. Many people bring in lots of money a year, and they can’t manage it, and it’s out of control. Some people should just really be honest with themselves, and say, “Credit cards are a no no.” Just like some people have to say desserts are a no no. It’s about being honest. It’s about not being self-critical. It’s about being honest of your own mechanisms and the way you handle money.
Other people, they make no money, because they have a family, and their family’s making a total of $40,000 or less, and they’re living paycheck to paycheck. At that point in time, it’s about learning to really stretch the dollar, and realizing that if you’re in debt $15,000, and you’re making 30,000 a year, it’s going to take you 10 years to pay that off. It may be best to just do the bankruptcy. Maybe it’s not, but at least review your options with somebody who has compassion, cares, and wants to do what’s best for you.