Promoting Disclosure: While you purchase one thing by clicking hyperlinks inside this text, we could earn a small fee, however it by no means impacts the services or products we advocate. David Patterson, 59, had a easy downside: his month-to-month bills exceeded his paycheck by about $300. For 2 years, he’d been quietly draining financial savings to cowl the hole. He didn’t need a second job. He positively didn’t…

