re: Debt Debt Debt.

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With this statement you’re obviously not hungry yet.


This may be fair.

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Seriously...you spent the money, stop looking for a magic way to make the debt go away. Take a short term gig as a traveling nurse--then have your wife do the same for a short period.

Sell the cars and buy cheaper ones--fuel-efficient cheaper ones. Use the cash to pay off that 22.9% interest card. Hustle, hustle, hustle....that's what you're not doing now.

Referring to work as "soul-crushing" is a mental attitude: you may work lots of hours, but you're not being shot at, sleeping in a tent in Syria, or picking fruit for minimum wage.

You want life to be easy & comfortable....but you need to square away this debt, ASAP, or you are no moral example to your 8 year old son. Do you want him to become a deadbeat debtor, or do you want to learn about finances, decision-making, delayed gratification, and hard work? YOU are his primary moral example: if the thought of being a good model for him is not sufficient motivation, then dig deeper.

Many ppl on this board have done dumb things and ended up in debt, and we know that busting butt is the only way out. Sell the crap you don't need, cut your household budget to the bone (eat cheaper food, stop dining out, cut all non-essentials like gym membership, expensive cell plan, cable/internet, etc etc.)

Negotiating down the debt is not in your best interest. Being as frugal as possible and generating as much income as possible is the best path.

Good luck, and keep thinking about that 8 year old who needs you to be the moral compass in his life.