> I really have a hard time understanding why people would intentionally do that to themselves. Most people don't understand it, and that's a real problem. I'l

> I really have a hard time understanding why people would intentionally do that to themselves. Most people don't understand it, and that's a real problem. I'll do my best to explain. Several decades ago I found myself living in my car. I had a job that didn't really cover expenses, but it allowed me to eat and pay for gas. Why didn't I just quit and find a new job? Well, quitting meant that I would no longer be able to pay for food or gas, and jobs were hard to find in the recession of the early 90s. Now, I had no debt, no family to support, no need to stay in that city and a four-year technical degree, so I was able to bounce out of that situation relatively quickly, but if those things had not been true, things might have turned out differently. Believe it or not, you can have a full-time job and actually work yourself into poverty. When the choice is between taking on more debt and having your children go hungry or homeless, there really is no choice. Taking time off to re-train is not an option. Many people are in this situation because they are taking responsibility for their lives and for those of their families. Don't feel bad about not understanding it. Until you've seen this cycle actually play out, it's hard to believe it exists.