Burnout, Heartbreak, Layoffs & Motherhood: The Real Reason I Went Quiet. This is a story about resilience, reinvention, survival mode, soft life goals, rebuilding confidence, protecting your peace and your pockets, and learning how to become again after life forces you to start over.

Charge-offs are a big deal. This typically happens when you don't make a minimum payment for 180 days or more.