Creativity and passion dwindle when hungry. Premiums for talent are easier to demand when desperation isn’t part of the equation. If I’m established, I can demand $350 an hour. If I’m desperate, I may accept $5.

The truth is, living in any society is difficult. Those who become desperate with a fractured sense of security are much more prone to being taken advantaged of.

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

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.