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Every morning I woke up with just one obsessive thought in my head: how to feed my wife and myself today. My name is Edward Taylor, I'm 33 years old, and my wife and I live in a rented flat in the Elephant and Castle area of London. On social media, London is always shown as the city of rooftop bars, high fashion, and the glamourous life. But my reality was a 6:00 AM alarm, a northern line tube crammed beyond capacity, and my job as a shop assistant in a clothing store on Oxford Street for £1,100 a month. And as if that wasn't enough, I drove a battered 2005 Ford Fiesta that we used for the grocery shopping, with the check engine light constantly glowing and the permanent fear that it would break down in the middle of the road at any moment. In London, on £1,100 a month with £12,000 of debt on your shoulders, you don't live: you just try to stop your family from completely falling apart. Between the £800 rent, the electricity and gas bills, service charges, food, and the monthly instalments for the £12,000 bank loan I had taken out last year to cover other financial holes, my entire wage vanished within the first three days of the month. Over the last few months, my relationship with my wife had turned into an endless argument. Every evening started with the same complaints and shouting: "Edward, we never go out, we don't have a single pound saved, how are we supposed to carry on?" On paper, I had exactly £18 left for the rest of the month. I looked at the debts and thought only one thing: "How the hell did I let myself end up like this?" Last Tuesday, my wife came into the kitchen holding a piece of paper: — Edward, it's my sister's birthday next Saturday. We're all putting in £60 for the gift and dinner. We're going, right? I looked at her and remembered that I had exactly £18 left in my account. I lowered my head and told her in a quiet voice that we didn't have that kind of money right now and that it was better if we stayed home. She looked at me in s