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I had 45 pounds left, needed 5,700 pounds to pay off my house loan, and debt collectors were calling every day. That night, everything changed. My name is Freddie. I'm 28. I'm from the UK. I'm a regular programmer. I've been doing this for about nine years, mostly self-employed. The money was good—around 3,400 pounds, sometimes 4,900 pounds a month, net, including overtime. My girlfriend was unemployed. We thought we'd hold out for a couple of months... until she could go back to part-time. But then everything went wrong. The first three and a half months of 2026 were a nightmare. Companies were rapidly developing AI. Contracts were being cancelled one after another. The main contractor I'd been working with for the last six months delayed my salary by almost two months. He said "cash flow problems." In our industry, that's supposedly "normal"... but when you have a partner and a child at home, it's not normal. It's terrible. And as if that weren't enough, the landlord raised the rent by another £150 a month. We started cutting back on everything. Food. Heating. Even medication. The situation reached a critical point. And then my computer finally got the better of me. The processor and graphics card failed. Repairs cost £2,000. Without a computer, you're nothing. No boss will hire you if you can't work on your PC. I was losing money EVERY day the computer was down. At first, I was surviving on a credit card and overdraft. Then I had to take out a real loan. I thought, "Fix the computer, get back to work, pay off the debt quickly." But no. Interest. New bills. My son got sick. And everything went wrong. Now the debt keeps growing. The debt collectors are already calling. And you're sitting there in the evening... thinking: "How did I even get to this?" One night, I couldn't sleep. I was just lying there, scrolling through my phone. I came across a discussion about some app. People were saying they were making money with it. My first thoug
