One of Harold’s clients at the bank was a Florida-based young, hip distribution company. They’d recently opened operations in southern California. It became obvious to Harold this was what one might call a “cash intensive” business. Their daily deposits of cash were so large Harold as the branch manager, had to handle them. I know what you’re thinking and to this day I don’t believe it involved contraband or illegal activities, although we’ll probably never know for sure.

What Harold knew for sure was that they had a very active distribution operation of ordinary household goods. These guys had the good fortune (and I use the term loosely), of getting in on the infamous ground level of the country’s latest multi-level marketing opportunity. They were slick and very friendly. They appeared to be authentic. They dressed to the hilt, drove fancy cars, lived in gorgeous beach homes and to my utter joy, befriended us.

Blinded by greed and my insatiable desire to get rich quickly, together we took our deepest financial plunge yet and into a business we nothing about.

One weekend they said the words I’d been waiting a lifetime to hear: They were willing to share their dream with us! Their opportunity would become our opportunity. I was ecstatic.

I convinced Harold to say good-by to his 16-year banking career, full tenure and regular paychecks. Blinded by greed and my insatiable desire to get rich quickly, together we took our deepest financial plunge yet and into a business we nothing about. Worse, we did it with borrowed funds.

It’s no wonder that in only four months our first entrepreneurial endeavor ended in an abrupt and devastating failure and the loss of all the money we’d borrowed plus all that we’d poured into this bogus venture. Those newly found friends of ours disappeared more quickly than the money.

Our debts were enormous, our income nonexistent. Now both Harold and I were unemployed and the anxiety and turmoil became unbearable. We had no income, no liquid assets. We were beginning to hear the rumblings of foreclosure on our mortgage that was now four months in arrears.

That day as I sat in the silence and emptiness of my in-laws’ house, I could see no way out. I was terrified and desperate. This strong, take-charge, I-can-do-anything wife and mother was hanging on by a thread.

I’d run out of options and clever schemes. The pain in the pit of my stomach was worse than anything I’d ever known.

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