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HOW I SURVIVED AFTER GOING BROKE FROM POKER

    1. ONLY URGENT TASKS *CANCEL PLANS*

    - something coming up? cancel

    - friends ask for drinks? cancel

    - dating? cancel

    - takeout? cancel

    - appointment with co-pay? reschedule

    2. BASELINE: Create a list of EVERY product/service/investment you want in the future

    - this reduces compulsive purchases

    - this allows you to evaluate what you actually want

    - this makes you realize what you already have

    3. ONLY PAY RENT, live in your car, go homeless & find shelter, or learn survival skills (seriously) *Liquidate, & move whatever money/income into a different account holding CASH*


    - DELAY ALL PAYMENTS

    - DON't pay credit cards

    - CANCEL ALL SUBSCRIPTIONS

    - WATER, RICE, & NOODLES become your friend

    - DON'T pay food (pantry, state SNAP, friends), phone & internet (affordable connectivity, free apps, libraries) haircuts (learn to give yourself a cut, buzz-cut)

    - don't pay car insurance or car payments (bike to work if your job is within 25-30 miles)

    - if absolutely necessary for your job: make car payments in order to keep your income

    - negotiate car insurance rates, take a defensive driving course, maximize state discounts

    - sell your car & downsize to a functional used car for much cheaper (toyota, honda, mitsubishi, mazda)

    4. REDUCE, SUBTRACT, MINIMIZE (trash, sales) *James lived with 2 bags*

    - reduce your belongings to the bare nessecities & what brings you well-being

    - sell products to pawn shops & online

    - ELIMINATE the emotional attachment to your belongings

    5. Cut yourself some slack. Don't be so hard on yourself. These circumstances should be temporary.

    - You're not alone

    - Financial setbacks are a part of life

    - Don't be afraid of asking for help

    6. GENERATE INCOME OR QUIT MONEY ALL TOGETHER

    - generate ideas, make calls, and become more resourceful

    - learn skills, achieve a license or credential, find a job

    - pool money together with friends & start a project or business

    7. Reclaim what brings you joy

    - begin to occasionally splurge, don't completely cut what brings you well-being

    - when you deal with going broke, or other stressful situations -- you realize & appreciate the things that actually matter to you

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