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.

My husband’s company went bankrupt, and his creditors quickly came over to threaten him. Then, of course, they asked me for the money. Milo Cardilo, my husband, was worried that they would hurt me, so he shielded me and said while crying, “Stella, the company owes ten million dollars. Let’s fake a divorce and split our assets. That way, I won’t drag you down with my debts. Trust me, honey. Once this is settled, we can get married again.” His sincerity and selflessness touched me. When the creditors came to drag him out of his company to beat him up again, I stepped forward. “I’m Stella York, and my father is the Don of the Rosa Family. Let my husband go, and I’ll give you the money.” But when I went downstairs to call my estranged father, I heard my husband talk to his creditors. “Don’t believe her. How could she possibly be the Principessa of the Rosa Family? She must be bluffing to stall for time. Make your act more convincing. Puncture all the fake blood bags I have on me! Once she signs the agreement to walk away with nothing, I’ll pay you ten times the acting fee!” My heart went cold. So, when it was time to sign the divorce agreement, I agreed without hesitation. Milo sighed in relief, but what he did not know was that he was going to pay the price for his deceit.

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.

Three years ago, my rich boyfriend, Steven Delaney, went into bankruptcy. He decided to break up with me so that he wouldn't drag me down. As I looked at his broken expression, I steeled my heart and ripped the overseas college application I had just received. "I'll stay with you. Together, we can rebuild your legacy." Everyone told me that I was nuts. Still, I decided to move into a damp basement room with Steven. After that, I took on a job out in the streets that allowed me to earn money the fastest, which was promoting beer to the customers. One day, when I'm delivering beer to the customers, one of them calls out to me. "Hey, this lady looks like you!" There are two screens being shown on a livestream, that's being replayed. The left screen shows me crouching at the doorway of the basement while washing shirts for Steven. It's so cold that my fingers have gone completely red. The right screen shows him all dressed up in a smart-looking suit. He has an arm wrapped around a beautiful and well-dressed woman, and they're both sitting in a luxury car. Steven smiles at the camera and says, "This is my third year lying to my girlfriend about my financial situation. Till now, she still hasn't realized the truth! She really is a pathetic idiot!" The live comments keep popping up on the side. "You really know how to make things interesting, Mr. Delaney! I can't believe you're capable of coming up with the whole 'pretending to be broke in order to test your girlfriend's humanity' act!" "What exactly is that lady aiming for, honestly? She's just someone who sells beer! Does she seriously think she's in a romance drama?" "Oh, this is hilarious! That penniless girlfriend of his is even washing underwear for him! The truth is, the underwear belongs to the Delaney family's household staff!"

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.