Where were you a year ago? What did you do a year ago? Exactly a year ago we were embarking on a new journey. We sold our house, left an 8 year career and moved to Salt Lake City. It was a new journey with a new company in an executive role. It was hard, challenging and exciting at the same time. I put in 12-15 hours a day and met some amazing people along the way. It didn't take long for me to realize a few "red flags" about the company. The owners were taking too much money, the company had a significant amount of debt and the SALES that once were there- were starting to fade. We trimmed where we needed to and continued to plug along until April 23rd. This is the day the 3 owners came into my office and said they are closing the company and were filing for "bankruptcy." What transpired afterwards was pure chaos simply for the fact that 2 or 3 of us were left to clean up the chaos that remained. No need to go into details but you can imagine it wasn't pretty. Imagine selling everything you own, moving your family to a new state, starting a new career and 8 months later being out of a job. I am a RISK TAKER and I owned up to taking this risk. Luckily we made good wages and were smart with our money. Different state, different city, different demographic and not very many friends (due to working so much). Point blank -- the checks that were coming in EVERY Friday stopped. Single income family. Kid in pre school and speech therapy that combined cost around $1,000 per month. What was I going to do? I had an offer to go back to my prior career in Law Enforcement but there was a reason I left (family life etc.). For the first time since I was 16 I was jobless... purposeless... and had no clue what route to take. Being a planner - I had plan A, B and C in place. When A and B did not work out - we attacked plan C and moved back home and started from scratch. Exactly 5 months from losing my job I sit here and thank GOD for blessing us with an amazing life and financial sense. One year can change your life drastically. Are you prepared should an unexpected life change occur? We take so many things for granted that we fail to PREPARE for the unknown.