I would like to thank Harddaysknight for kindly reading this story and the excellent suggestions he made. I would also like to thank Sbrooks103x for taking the time to edit the story and also suggesting that I should finish it. I do agree the story is much better with the ending.
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It was just like any other Thursday night in the Davis household. Jack Davis, 41, lay soundly asleep next to his lovely wife of 15 years, Amanda, 37. They have two bright and loving children, Jack Jr., 9, and Heather 6.
The Great Recession had been hard for the Davis family. Jack had owned a small but successful construction company prior to the recession. However, the good times in the construction business came to a screeching stop in 2008, and Jack lost everything. He tried to hold on as long as he could; hoping that the market would come back. But it didn't. At least not in time to make a difference for Jack and his company. Between 2008 and 2010 the Davises lost everything, including their house and cars. Over time they resorted to selling everything they could just to survive another day, and pay another bill.
Heather was one and Junior was four when the recession hit, and having no choice Amanda went back to work, with her mother watching the preschool children. Now it was 2013 and over the last three years the Davises had clawed back to some financial stability. They were still renting, but at least they had some savings in the bank. Jack was working a job he hated, selling insurance, but he was optimistic because he was seriously thinking about starting his own construction business again. The first time he proposed this idea to Amanda she seemed to lose all the color in her face and went into near panic mode. Over the last few weeks this had been a point of contention for the couple, but he felt that Amanda was finally coming around.
He wanted this both for himself and his family. He was miserable at his current job, and he knew that his most realistic chance to provide well for his family again would be by going back into what he was successful with in the past. There were a lot of indications that the real estate market was starting to come back, so the construction business couldn't be far behind. He wanted his kids raised in a nice size home with a backyard they could play in. He wanted them to have the things their cousins and friends had, that he and Amanda could no longer afford to give them. He would do anything for his family, work as many hours as he needed to. He needed to do this before he got too old.
Jack was sleeping the contented sleep of a husband and father able to provide for his family once again, with a hopeful smile on his face having fallen asleep thinking through once again the business plan he had been putting together to get back into the construction business.
Suddenly a figure of an older man, who reminded Jack of his dead father appeared, imploring Jack to wake up. He told Jack that tonight was a pivotal night in his life, and that before the night was out he would need to make a decision that would have a major impact on his and his family's future.
Jack slowly became more alert and started paying attention to the older man, who started speaking to Jack once again with a comforting smile on his face.
"Jack, think of me as your guardian angel. Tonight, I'm going to lay before you a couple of choices and at the end I'm going to ask you to make a decision about the future of your family. Not a lot of people get to choose their own destiny, but you are being given the privilege to make that choice."
"For several years it was really difficult for Amanda and you financially." Jack thought to himself that was quite an understatement.
"Things have improved for Amanda and you over the last few years, but I'm afraid that's not going to continue much longer. You're going to leave your job, and get back into the construction business, but unfortunately it's not going to work out as you hoped."
Jack interrupted, "Then I'll keep my job and put a 100% effort into the insurance business and make it work. I'll forget about getting back into the construction business again."
"Unfortunately, Jack, it's not that simple. You see tonight you're going to be given a choice to make, but when you wake up tomorrow morning you won't remember any of this conversation. So, in a few months you're going to end up leaving your job and you're going to go full steam ahead into your new venture that's going to lead to financial disaster for your family once again."
"I don't understand. What is the choice then?"
"Let me continue, Jack. So in a few months you're going to leave your job, put your small savings into the new business, get some family members to invest with you as well. Amanda is going to try to talk you out of it for weeks, but you're eventually going to convince her that you did it once and you can do it again. That this was the only chance for you guys to truly get ahead and give your kids the things they need. You're going to be surprised how resistant Amanda is going to be, because she typically follows your lead, but eventually she will grudgingly give you her approval to go ahead."
"Unfortunately, unlike the first time around when you found a great deal of success in your business for many years, this time the business is going to hit one stumbling block after another. You're starting with a lot less money, and now you have a lot more financial obligations. Your finances are going to get tighter and tighter. Amanda is going to be putting in more and more hours at work trying to keep you guys afloat. And you're going to borrow more and more money to try not to get too far behind."
Jack's peaceful sleep now long gone, he felt like he could barely breathe. He felt the pressures of the worst times when he and his family had to move into his mother's cramped little house, losing everything along the way. They were barely able to survive. He had just recently started to feel somewhat assured that those days were in his past, to never reappear again. Now this stranger was telling him he was on track to that disaster with no way to avoid it.
Jack finally blurted out, "So what do I need to choose to not have this happen?"
"It's not that simple, Jack. All this is going to happen either way. The next 12 to 18 months or so are going to be one of the hardest times of your life. It's actually going to be even harder than the last time around because you don't have the savings to burn through and the things to sell to live on. Your mother's also sold her house and is living in a nursing home so that back up is no longer there either. The friends and family that invested in you will want their money back and no one is going to extend any more money to you, Jack. Your credit cards and all your credit is going to be maxed out as well."
"Then I don't get it, what's the choice?"