Let me be honest with you. Money stress hits differently when it is urgent. Not the "I should probably save more" kind of stress, but the real, 2 a.m., staring at the ceiling kind. A car breakdown, a surprise medical bill, rent coming up faster than your paycheck. We have all been there, or know someone who has. And if you have ever walked into a bank during one of those moments, you already know how that story ends. You sit through the wait, fill out the forms, answer questi
