My mother told me to study accounting because there is always work for us.  Mom didn’t know audit work can be outsourced overseas.

Which is exactly what happened to me. I had become a specialist in one area of auditing, and really wasn’t interested in anything else in accounting. I kicked around for months going on interviews, but it was clear my interests weren’t in accounting any more.

And my personal economics suffered from this.  I fell behind on bills and still couldn’t find the motivation to work at something I never really liked in the first place.  I realized I’d need to retrain.  

Much to my dismay, because my bills got ahead of my cash, I earned (?) bad credit. And with bad credit, where would the money for retraining come from?  

I ran some numbers and realized one of my most leveragable assets is my car. So, my need for fast cash translated into a car title loan. It makes more sense than some of the crazy things they did on Wall Street leading up to the financial crisis — a car is a hard asset you see and touch and use for something.  So I filled out an online application with Oakland Car Title Loans – which is nothing like going to a car title loans store downtown. The funds transferred in hours, and I was signed up for classes in a day.

I don’t miss accounting, but I’m glad I have the skills for assessing value.  That car of mine was a godsend in this case – the bank car title loans solution to a cash flow problem.

- Piotr Q.