"Mable, we need to talk.
"I filed for bankruptcy. We do not have shit in our accounts and the mortgage payment is way over our income. The house will soon be repossessed and we will be out on the streets. I met with my lawyers today, and after everything is over our net worth will be around twelve dollars."
My sixty-one-year-old wife looked at me with surprise.
"What ... how?" She was lost for words.
"You remember the frequent trips I was taking out of town for consultancy jobs since I retired?" I asked.
"Yeah, what about them?" She was trying hard not to have a heart attack.
"They were a cover. I was actually addicted to gambling and was flying out to Las Vegas to gamble. I gambled away our savings, my 401(k), I took an additional mortgage on the house and cashed in all the CDs. I am sorry that I was weak and I betrayed your trust, " I said.
"How are we going to survive, Mart? We don't have a pension or Social Security! You're retired and I've never worked in my life. At this advance aged what are we going to do?"
"I have no idea. I have agreed to become the night watchman at a friend's warehouse in return for free meals in the cafeteria and a bed in the rest area of the warehouse. I am sorry I will not be able to bring you with me, but the men's shower is right next to where I sleep and guys change their clothes in my room all the time. It is almost a corridor.