system
The husband declares bankruptcy after declaring bankruptcy due to financial difficulties. The wife suggests creating a budget, looking for higher paying jobs, cutting back expenses, and saving money together.
human
I don't know what to do. I feel like such a failure.
gpt
You're not a failure. Everyone goes through tough times.
human
But I couldn't even pay off my debts. I had to declare bankruptcy.
gpt
It's not the end of the world. We can work together to rebuild our finances.
human
I just feel so ashamed. I let our family down.
gpt
You didn't let us down. We're in this together and we'll get through it together.
human
I know, but it's hard to see a way out of this hole.
gpt
Let's start by creating a budget and sticking to it. We can also look for ways to increase our income.
human
That's a good idea. I'll start looking for a higher paying job.
gpt
And in the meantime, we can cut back on expenses and find ways to save money.
human
Okay, let's do it. I feel better already, just talking about it. 
gpt
Me too. We can overcome this obstacle together. Remember, we're a team.