Electricity, shelter, and a safe place to sleep . . .trump the need to preserve your credit score, orpurchase a new gizmo.

Is it really necessary to reward the CEO with several million dollars? Why isn’t it logical or common sense to pay the minimum-wage employee another quarter, give a quarterly fifty-dollar bonus, or even provide a two-hundred-dollar gas gift card?

Fear is different;it remains;it causes prejudice.

Self-preservation—this is your new focus. The only obligation of today is to preserve the breath of tomorrow. Then, once footing is regained, you can begin to fulfill debt obligations. Debt is hindsight.