Why Does 'How We Got Out Of Bad Debt!' Focus On Financial Freedom?

She thought she could endure a loveless marriage to repay her family’s debt—but she didn’t count on the cost of her heart. Once the proud daughter of a wealthy businessman, ELENA BRADFORD watched her life crumble when her father’s betrayal left her and her mother drowning in debt. Desperate to protect her family, she reluctantly agreed to a marriage contract with her father’s former business partner’s reckless son, ADRIAN HAWTHORNE—a man who once loved her during their university days but now only mocks her fall from grace. Trapped in a cold marriage filled with scorn and humiliation, Elena finds herself suffocating under the weight of Adrian’s cruelty. But everything changes at a high-profile dinner when she locks eyes with the one person she never thought she’d see again—LUCAS EVERHART, her childhood best friend, who once confessed his love before vanishing from her life. Now a powerful CEO, Lucas is stunned to see the woman he loved trapped in a toxic marriage. Learning of her misery, he vows to free her from the chains of her past—even if it means clashing with Adrian who refuses to let her go. As old feelings reignite and secrets unravel, Elena must decide: will she fight for the love she once believed in, or will her past mistakes keep her from the future she deserves?

My husband, Julian Harlow, has died, leaving behind a five-million-dollar debt. I decide to inherit his debt right away. However, my best friend, Evangeline Frost, goes crazy from worry because of my decision. In my previous life, Evangeline had advised me to not inherit Julian's debt because he didn't have any assets. So, I signed the agreement to give up on inheriting his assets and declare that I had nothing to do with Julian in order to escape from the debt. But the debtors kept haunting me. They even kidnapped my son, Shawn Harlow, just to force me to pay the debt. The debtors were extremely violent and ruthless. On top of that, they kept using Shawn's safety as leverage over me. Every time they forced me to pay the debt, I felt as though I was being tormented slowly yet painfully. In just 24 hours, I asked all of my relatives for help, but I was only able to gather 100 thousand dollars. In the end, Shawn never escaped from his fate. I was sold to Northreach by the cruel debtors in order for the debt to be cleared. But that was when Evangeline claimed that her own son had finally returned to his roots, thus successfully inheriting the assets of a billionaire. I finally found out that said billionaire was actually my dead husband when I watched the news on the TV. Only then did realization dawn on me. Julian was pretending to be poor this whole time. It turned out that Evangeline's son was actually his illegitimate child. The assets that I had given up all went to Evangeline and her son in the end. Filled with resentment, I tried to escape back to the country in order to settle the score with Evangeline, only to die to the electric fence surrounding the slave camp in Northreach. When I open my eyes again, I've returned to the day Evangeline tells me to give up on the assets.

After my family is burdened with a debt of 5,000,000 dollars, I become the only person in the family who can no longer afford to "die". Dad is trampled in the mud by our creditors, protecting what's left of my school tuition fees even if it means breaking his fingers. He roars, "You can hit me, but don't you lay a finger on my daughter!" At that moment, Dad's small, hunched figure becomes a debt that I can never repay in my lifetime. Meanwhile, Mom kneels before the creditors, grovelling in the mud as she begs for a few more days of grace. Burdened by Mom and Dad's love for me, I drop out of school and go to work at a factory to make as much money as I can as quickly as possible to pay back the debt. Ultimately, my landlord kicks me out of my lodging on Christmas Eve. I'm also sporting a high fever in the snow, but my wages from the factory are still unpaid. I call Mom and beg her to transfer just 50 dollars to help me out. However, she doesn't sound concerned or anxious on the other end of the line and utters in disgust, "Haven't you gotten your wages already, Carolyn Swanson? "How dare you lie to us? Who taught you that? If you can't afford to buy the meds for your so-called fever, then you might as well just die!" Then, she hangs up on me cruelly. I grip my phone in my hands, watching the snow falling from the sky. My hands feel even colder than the icy ground at this point.

My world is spiraling out of control over the horrifying reality that my marriage was a ticking time bomb, and I had no way of defusing it. I can't believe this is happening. I should have left when I realized my husband, Blake Crenshaw, wasn't going to change. I stayed for seven years as his devoted wife, taking care of his father and his twin brother, Jake. I really loved my husband, and I didn't realize he would only get worse. My name is Treasure Delgado; the night I found out my husband had cheated; I had put up with enough. I wasn't going to be his second best. I stood my ground, and I asked for a divorce. You would think that it should end it all between us. But I had no idea how the word 'divorce' would trigger Blake or what was going to happen to me next! Amid a scandalous secret love affair and a volatile breakup, my opportunity emerges to get my revenge and discover love. I wouldn't just play the victim; I was going to win and change the game. Come and witness how I plan to rise from the ashes after my divorce.

On the very first day Jason and I made our relationship official, he insisted on handing over his salary for me to manage. He said marriage was only a matter of time and that he trusted his future wife to keep the money safe. On the day of our engagement, Jason demanded that I hand over the $960,000 in salary I had “kept” for him over the past four years. “Each month, I gave you $20,000. In four years, that’s $960,000. After expenses, there should be at least $800,000 left, right? I can’t bear to make my parents empty their savings for my marriage. We will use my savings for the wedding, $600,000 as the down payment for the new apartment, and the remaining $200,000 will be my wedding gift to you.” I froze. “But there isn’t a single dollar left!” Jason exploded. “You wasteful woman! You spent all the money?!” His mother also erupted. “So much money, and you squandered it all! What shameful acts have you been up to?! This marriage is off!” Jason demanded to see the accounts. I immediately pulled out the records in front of everyone. Seeing this, Jason’s mother panicked.

My husband, Theo Hudson, is known for being very frugal. After marrying him, my only hobby is to keep buying branded bags, just to get back at Theo for being extremely stingy with his money. When our son, Oliver Hudson, is seven years old, he has successfully inherited the tendency to be overly frugal from Theo. Both father and son look very out of place in the sprawling manor. I, on the other hand, love wearing anything from the haute couture selection of the season while admiring the heartbroken expressions on Theo's and Oliver's faces when they see the bill. But one day, live comments begin streaking across my eyes. "Wait, this wasteful woman is still splurging on bags? Does she have no idea that her husband's company is about to file for bankruptcy?" "The poor male lead has already worn his T-shirt so many times to the point it's starting to fray just to sustain that vampiric wife of his! Thank goodness the female lead, who's brilliant with finances, is about to enter his life!" "I shall wait for Theo to bring up divorce and kick that useless hag who does nothing but spend his money out of his life! Let's see how she's going to fight for scraps with the strays beneath the bridge in the future!" I'm so shocked that I hurl the limited Hermes bag I was clutching in a random direction. Unfortunately, Theo, who's crouching on the floor while opening the packages for me, and Oliver, who's flattening the boxes by stomping on them, get hit by the bag. Scared out of my wits, I quickly snatch the cardboard from Oliver's hands and hug it tightly. "I… I'm not buying these bags anymore! Let's get a refund! But keep the cardboard boxes and don't sell them! I… I want to use them as makeshift mattresses for when we're about to sleep under the bridge in the future…"