He hit financial rock bottom — twice. Financial author Kelley Keehn says his story is more common than you think

Every time Daniel Reyes Cocka tapped his credit card, he felt it — a dread he couldn’t quite name. He was spending, yes. He was also punishing himself for it.

So when the 42-year-old Toronto-based content creator and lifestyle media expert had to file for a consumer proposal years after filing for bankruptcy, shame washed over him.