Chapter 68
Garrett Richmond attended a mandatory financial counseling session at a municipal community center, listening numbly as an advisor outlined debt restructuring options for his unresolved warehouse credit defaults. The harsh neon lights and peeling paint of the counseling room mirrored the desolate state of his life. He finally accepted that no inheritance, no maternal favoritism, and no shortcut could ever replace personal accountability and hard work. He walked out into the evening chill, a humbled, broken man facing the reality of his own choices.
