Between the pub and the office, I pass through Wynyard Park, where the soup van sets up late on a Wednesday evening. As I pass through the park, and the crowd of people waiting for their evening meal, I think to myself. “I have significant unsecured debts. I live pretty much on the edge of my means. I am an expert in a field not known for its employment opportunities.”

It's a sobering thought. There, but for a few reversals of fortune, go I.