The second time I experienced a period of being broke was when I quit my job in 2014. The reason was twofold; jump back into self-employment and to reconnect with my parents with whom I hoped to smooth things over with (things hadn’t ended well when I left home after college).
Soon after moving back home, it did not take long for my savings to start drying up while the clients I had hoped to work with stood me up. My projections where in the gutter. That December 2014, I was hit with more bad news; my kidneys were failing. I was unemployed so I didn’t have medical coverage. Spending the last of my savings, I saw specialists, run tests as the condition accelerated.