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.

You’ve had many ordeals in the past. During these ordeals, life seemed unbearable. You may have collapsed from the exhaustion of hopelessness and curled into a fetal position. Regardless of how difficult this new ordeal...