"I was a mortgage banker for about 20 years and while it had always been a bit of a rollercoaster ride, it also had some added perks in that I set my own schedules. This gave me time for what I really love to do: Surf."
And then Mr. MacQuarrie, like many working in the mortgage industry, was out of a job and deep in debt until finally, at the age of 62, he had to declare bankruptcy.
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