Your bills are adding up. You’ve spent foolishly on a few things and got behind when Dad got sick. How oh how can you fix your financial distress?? Correct!!! You spend more money! More money than you can ever hope to repay! You “invest” in businesses that have poor management and assume they will make a comeback! You break your kids piggy banks and give it to the gardener to re-sod the front lawn. Sounds like a genius of an idea doesn’t it?