There has been a lot of talk about bankruptcy recently. A bill is winding its way through congress that would make things even more difficult for people facing bankruptcy. Recently, a friend asked me how I was doing and I quipped that I haven't declared bankruptcy yet, although if the current legislation is going to go through, perhaps I should do it soon. Having spent the past couple years working as a volunteer on various political campaigns, doing work for not for profit, and spending a lot of time with startups that have yet to establish sufficient cash flow to be self-sustaining, my finances are a bit tight.