One of my clients reached into his wallet in my office, and this $5 bill fell on the floor. I picked it up for him and asked what it was. He replied, “It’s the first $5 I ever made. I carry it with me to remember.” I am used to consulting with hard-working, conscientious folks regarding Chapter 7 bankruptcy and Chapter 13 bankruptcy. Illness, inflation, divorce, floods, high HOA fees, high property insurance, and COVID-19 are some life turns we can’t anticipate.