Overdraft: Starting Over—and Making Caramels—from Scratch

Portrait illustration of Rowena Montoya, the founder of Julie Ann Caramels, wearing a peach shirt and eye glasses. Rowena and Frank Montoya lived a comfortable life until 2009, when the couple was forced to sell everything and start from scratch. While living on a fraction of the duo’s former income, Rowena turned her homemade caramels into a successful business. Here, she shares their story of starting from scratch—and what motivates them to keep going.