CHAPTER 1
THE EDGE OF THE ECONOMY
In April of 2005, Jim and Annie Everhardt,* a couple in their midthirties with three kids, moved the almost 5,000 miles from Hawaii to North Carolina. A career marine, Jim was between tours of duty in Afghanistan and had been posted to Camp Lejeune in Jacksonville, North Carolina. The family had barely stepped down from the moving van when the vehicle suddenly caught fire and blew up in their driveway. It happened so fast, they could only stand and watch as everything they owned was consumed by flames.
In their extremity, they appealed to the military relief agency responsible for emergency loans. There, they learned that this wasn’t actually an emergency since insurance would (eventually) cover the loss. The ...
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