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at what point should someone start to consider bankruptcy Ali wants to know on Twitter Ali you ever seen the list of 10 things that if three or four of them happened to you in a short period of time the likelihood is youre going to be in the hospital divorce bankruptcy loss of a parent a child a spouse your home burns your home is flooded major catastrophe tragedies in your life if two or three of those hit in a short period of time and to end up in the hospital of stress most people - it affects you physically because its so extreme bankruptcies on that list in other words it is not something to be considered lightly and so I put it in for instance in the same category of a divorce when would you file for divorce after youve tried everything else and youve tried so many things that you know that theres nothing else to try and that theres no scenario the current circumstances in which we make it not Im kind of pissed at you and Im gonna file divorce thats not what we do we do