In the quote from Ernest Hemingway's "The Sun Also Rises," the speaker reflects on the nature of bankruptcy, illustrating it as a process that unfolds over time before it culminates in a sudden realization. This encapsulates the idea that financial downfall often begins with small setbacks that accumulate, until one day the weight of those issues becomes unbearable, leading to a rapid collapse.

The statement highlights how gradual changes can lead to significant consequences that catch individuals off guard. It suggests that being aware of the warning signs and taking proactive steps can be crucial in preventing such financial disasters. Ultimately, it serves as a reminder of the importance of vigilance in personal finance and the dangers of ignoring slow, damaging trends.