10 Years Ago I Lost Everything: How I Started Over

How do you start over after losing everything? Not with a trick, but with a decision. This is what that looked like.

How you actually start over

A decade ago Darin Stubbs was broke, broken, and angry. He had made millions and lost it all. Foreclosures, bankruptcy, years with no credit card, people he trusted betraying him. At one point he thought his life was worthless.

The turning point was simple but not easy. For things to change, he had to change first. He found mentors and coaches, followed a process, and got humble enough to learn from people who were where he wanted to be.

Picture your car. The windshield is huge and the rearview mirror is small. So how much of your life do you spend looking backward instead of at a future that is still unwritten? The worst pain in life is regret. Close the chapter, and decide to rewrite your story.

Read the full video transcript

I am Darin Stubbs from Boise, Idaho, and this week marks 10 years since I started over. A decade ago I was broke, broken and angry at the world. I had made millions and then lost it all in 2008. Foreclosures, bankruptcy, no credit card for seven years, cars taken from the driveway, people I trusted betraying me. At one point I thought my life was worthless.

Maybe that is you right now. Beat up, cheated on, lied to. I have been there.

For things to change, you have to change first. You need mentors, coaches, a business plan, and you have to surrender to a process. I know because I was you. I got humble and started listening to people who were where I wanted to be.

Picture your car. The windshield is huge and the rearview mirror is tiny. So how much of your life do you spend looking backward instead of at the future, which is unwritten?

The worst pain in life is regret. Close this chapter and decide to rewrite your life.

Common questions

How do you start over financially after losing everything?

Most people start by changing their mindset and habits first, then finding mentorship and a clear plan to rebuild step by step.

Is it possible to rebuild after bankruptcy?

Yes. Many people have rebuilt careers and stability after major financial setbacks. A past setback does not define your future.

What is the first step to starting over?

Deciding to move forward instead of staying stuck in the past, and being willing to learn from people who have done it.

Explore more

About PacWest Agency

Career Change After Financial Ruin: Is It Possible?

Can You Really Change Your Life in 3 to 5 Years?