Did you ever notice that sometimes when things seem to be going real well, something comes up out the blue and knocks you back a step or two?
Maybe it's your car. Say it just gives up on you and your mechanic tells you it's going to be $300. But it's still a week and a half till payday. Or maybe someone close to you needs medical help and you're broke. Or a check's about to bounce and on to add insult to injury the bank's going to charge you a huge NSF fee.
At times like this you really can feel like you're drifting in a river that's close to plunging over the edge, down into a giant waterfall.
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