Life’s tough right now! The economy is very rocky, people are losing jobs, companies are closing, people can’t pay their mortgages or they move in order to live somewhere that is less expensive. It even impacts the kids when there are a variety of cuts for the classroom budgets and it’s harder to get student loans to attend college. But why is it that some people come through all of this “on their feet” and others launch into a very difficult downward spiral? (more…)

