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🛑 I had only $55 left in my account, the van repairs were going to cost $3,200, and debt collectors were calling every day. That very night, everything changed."** My name is Lucas Moreau. I'm 36 years old and I live in Sydney. I'm an ordinary construction worker. I've been in the building trade for almost ten years, mainly working through contractors. The money was enough to get by. In good months, I'd earn between $1,400 and $1,700 net, if there was enough work. My wife Elena wasn't working temporarily after the birth of our daughter. We thought we'd manage for a few months. But then everything started falling apart. The winter of 2025 was a real nightmare. Rain almost every day. Construction sites shut down. Contractors delayed payments. The company I'd been working for over six months started holding back my pay. At first, they talked about cash flow problems. One week turned into two. Two — into almost two months. And when you have a wife and kids at home, it's no longer just a de