By Tina Marie Martinez I remember the moment everything decided to start falling apart. It wasn’t just one event. It was a series of unfortunate events, slowly piling up. I tried so hard to stay on track financially, but no matter what I did or how hard I tried, I kept falling behind. The bills didn’t stop coming in, the responsibilities didn’t stop, the pressure kept building up. It got to a point where I was so overwhelmed, like I was carrying way more than I could handle.