Your gut sinks with that sinking feeling that wakes you up in the middle of the night. You’re completely and utterly broke. Everybody experiences bad luck from time to time – job loss, unexpected bills, or just plain bad luck. You are not the only one, though. Ninety-two percent of your fellow Americans agree with you. What’s more, it is estimated that less than half (45%) of Americans can comfortably live on their current income. Whatever the reason, being broke is stressful and challenging. More importantly, there are steps you can take to help yourself through this difficult time. That said…