The Money Mentor: Where the Trouble Started

January 6, 2016 0 Comments

This is Part 3 of the series to serialize my book The Money Mentor: A Tale of Finding Financial Freedom. Click here to start reading from Part 1. Every other week will have another segment of the story of how a 23-year-old dancer struggles with and ultimately overcomes the burdens of her crushing financial debt. Look for posts on a variety of topics in the intervening weeks.

I think my downfall must have begun before the accident. It’s hard to be certain because I was vague about finances, numbers, budgets—actually, budget was not a word in my vocabulary. So when I put on inline skates for the first time and started downhill—without any instruction; I thought that with my dancer’s footwork and coordination I wouldn’t have any problems—I soon found myself speeding out of control. There was a moment of fear and an odd exhilaration when I knew that I had lost control and would crash, yet I was still flying on winged wheels down that slope. When it was over, I was sprawled out on the pavement and lucky to have nothing worse than a broken arm.

That was my first experience of being uninsured. When I added up the medical bills, I couldn’t believe the amount. I sat down and started to cry. I had accepted a bunch of credit cards in college so I could use their credit lines for just such an emergency. Unfortunately, I had used them for a lot of other things before the emergency happened, but I had enough left on the credit lines to pay the medical bills. Having a broken arm meant that I couldn’t waitress and I had to look for new work. I found a job as a receptionist at a small advertising agency. They had a health plan but no dental coverage, so of course the next misery in my life was an unbearable pain in one of my molars that eventually required an inlay.

I didn’t have a dentist in the city, so I asked Rachel and Tina, my roommates, and Tina gave me the name of her dentist. He was old, maybe over forty, and actually taught on the faculty of a dental school as well as having his own practice.

The Money Mentor: A Tale of Finding Financial Freedom

If you don’t want to wait two weeks for the next post in this series, you can purchase The Money Mentor on Amazon.

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