Each step, each mile, each drive, and each medical visit brought them closer to facing their financial limits—reminders of how quickly life can change and how hard it is to climb out when debt becomes a constant companion..... The sun was setting on a warm, breezy evening in the city park. Michael, a sturdy 50-year-old with a few flecks of gray in his hair, jogged along the trail, sweat beading on his brow as he sipped a sports drink. Once, he might have relaxed with friends or gone out for dinner after a run, but these days, every dollar counted. Michael had spent the past two decades working for a local manufacturing company—a steady job with reliable pay. But two months ago, the company had closed its doors, and at his age, finding work again wasn’t easy. Bills were piling up, and he was at the limit of his credit card. He’d never been one to spend on luxuries, but now, even essentials were pushing him toward the edge. “How did I get here?” he muttered, feel