This morning I was sitting on a park bench next to a homeless man. I started a conversation by asking him how he ended up this way.

He said, "Up until last week, I still had it all. I had plenty to eat, my clothes were washed and pressed. I had a roof over my head. I had TV and internet, and I went to the gym, the pool, and the library. I was working on my MBA online. I had no bills and no debt. I even had full medical coverage."

I felt sorry for him, so I asked, "What happened? Drugs? Alcohol? Divorce?"

"Oh no, nothing like that," he said. "I just got out of prison."