I have known quite a few people who have been through rough times and most often, it's financial problems. I was talking to a co-worker and a friend of mine who I've known for a couple of years now. He has had a lot of debt and now it's all coming back to bite him through wage garnishment. He needs money to pay for bankruptcy, and he has siblings and his parents are still alive. He can't borrow money from them. Not sure if they're broke or what, but they're in good standing with him and his wife. Can you say that your siblings or parents are going to help you if you need help?