At first, it felt harmless. He borrowed a small amount from a friend—just to get through the week. He paid it back quickly. No issue. Then it happened again. Another small amount. This time it took longer to return, but it still got done. So he didn’t think much of it. Over time, it became a habit. Not big amounts… just “a little” here and there. Enough that it didn’t feel serious. But slowly, things started stacking up. One payment got delayed. Then another. He started avoiding messages. Telling himself he’d fix it soon. But “soon” kept moving. Then one day, he added everything up. Not just one loan. Not just two. A lot more than he expected. His chest tightened. It wasn’t manageable anymore. It wasn’t “just a little.” It was something he couldn’t fix overnight. That’s when it hit him—it wasn’t the big decisions that got him there… it was all the small ones he didn’t think twice about.
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