2018 was a tough year for Dustin Siggins and his family as they dealt with some financial strain. The US took home 23 medals from the Winter Olympics, unemployment was low, and global progress against poverty was accelerating. We'd also purchased our first home eight months earlier without a down payment, so we were technically under water on our loan. Second, my wife took on multiple part-time jobs while she was looking for a full-time job. But our personal financial crisis prepared us for navigating any time — good or bad.

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