All of us get to that moment in life where we experience a personal slump of some sort. For the most part, it is a financial crisis, and we are in a momentarily broke situation.

The options are binary. Either we can sit back and out-wait the situation, depending heavily on what is not in our control for the situation to change. Or, we can decide to take that which is in our control and do something, even though there is no promise of an immediate respite.

Listen to this.