Some years ago, I asked members of my Debt-Proof Living website this question: What would you do with an unexpected windfall of $10,000?

Responses ranged from saving every penny to giving all of it away to using all of it to get caught up on bills. This got me thinking: What fascinating response would I get if I changed the word “windfall” to “expense” as in, “How will you respond if tomorrow you get clobbered with an unexpected expense of $10,000?”

antiquated-life-cowboy-bullets-boots-rope

Suddenly, my mind races back to any number of old western movies where the wounded cowboy bites down on a bullet while doc performs some off-camera surgical procedure with the aid of a red-hot Buck knife and a bottle of whiskey.

Now, I’m not suggesting that getting socked with a big unexpected expense causes pain anywhere close to surgery without the benefit of anesthetic. What I am saying is how we respond to financial challenges says a lot about our character. We can take cover and hide behind fear and denial or we can bite the bullet, face the problem head-on and do what we have to do.

Take the couple profiled on an early episode of The Oprah Winfrey Show. They bit the bullet when they sold their house and possessions and lived in their car for two years to get their finances straightened around. I don’t recall exactly how they worked this out—small details having to do with showers and running water escape me. However, their delight with having done such a difficult yet noble thing to get their lives back on track was compelling.

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