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this video is sponsored by morningbrew visit the link in the description below to sign up for their daily newsletter today when it comes to personal finances bankruptcy is probably considered the worst case scenario the point at which you can no longer afford to cover your debts in the game of monopoly its quite literally game over and thats how a lot of people view it in the real world as well a fate reserved only for the most reckless among us financially or those who keep landing on their opponents boardwalk hotel but there are a lot of misconceptions around the topic of bankruptcy for one while yes overspending and poor financial habits are key contributors to insolvency in many countries there are a number of other common causes some of which have an exogenous feature to them in the us for example the majority of bankruptcies are actually the result of medical expenses not poor financial habits job loss is another key contributor a risk that we all naturally face yet because o