John discusses his vulnerability when experiencing financial stress and his reluctance to open up about his financial situation to his family. He talks about his initial desire to hide the reality of his difficult situation from his family. He then describes the subsequent feelings of guilt when he realised that he was cutting out the people he should have been doing his utmost to let in.

 “I struggled for breath. I could feel it. It's a horrible feeling, almost like you're drowning. And you want to reach out for something, you know, reach out for that lifebelt… I was desperately trying to think - where can I get some money from to make this problem go away.”

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