It's been a long time since I've been broke, but I can still remember exactly what it felt like. I can picture all the ugly details of the way I used to struggle; the empty bank account, the awkward moments, the feelings of despair…. And honestly, one particularly awkward conversation with my sister still plays clearly in my mind to this day: “Hey sis, I'm coming into town this weekend,” she said innocently. “Maybe we could go grab dinner.” “Ummm, let me think about that for a second.” I struggled to find a tactful way to tell her that I couldn't afford it. It's been about ten years since then, but at the time I was 22 years old and flat broke. A series of bad decisions meant that I was trapped in a desperate situation that felt nearly impossible to get out of. And although I was going to school part time, I was living off a full-time job that only paid a whopping $9.15 an hour. Oh, and it gets worse.