At ages 24-25, it was probably the most financially challenging time for me. I personally took out unlimited joint liability loans to mine Bitcoin and was on the brink of bankruptcy. I had been three months behind on the $4,000 office rent, and eventually, the landlord seized my computer. Fortunately, the cryptocurrency price later rose, allowing me to repay the loans with interest. I was just a breath away from total failure. Since then, I have never dared to sign any unlimited joint liability agreement again.