Srinagar, Sept. 9 -- A financial setback can change your plans overnight. An unexpected expense, a job loss, a failed business, or a sudden drop in income puts pressure on even a carefully managed financial life.

But not everyone recovers at the same pace.

It's tempting to put that gap down to willpower, or luck, or just being "good with money", the real explanation is usually less dramatic than that: 1. Savings 2. Income stability 3. Existing debt

And how someone's relationship with money shapes their decisions in the weeks right after a setback. Two people can face what looks like the same problem and end up in very different places a year later, for reasons that have very little to do with discipline.

Recovery Doesn't Start From th...