psychodave
Well-known member
Welll, you’re asking for help so this is positive step.Almost no savings. No retirement. Not good. Combined income of 180k
fucking sad man and no excuse for it, except living beyond our means. My piss poor attitude about life and the planet are mostly to blame for it. I should have offed myself before I met my wife.
You’re making more than 85% of Americans, so you are doing great. You like to spend your money and then some, so you enjoy life. You have realized you need some help, so here we are.
As I mentioned above, write down all of your debts and your take home income. Review the highest interest rates and pay them off first. Look to opening up a heloc or credit card with lower interest rates. Transfer money over. Now the tough part is to get use on paying as much as possible to save you money. We are no longer in a low interest rate environment… so it’s important to realize $30k debt now is costing you more than 2-4 years ago. Focus on a budget and stick to it. Pay off as much as possible. This could even be a great time to experiment cooking at home with your wife… saving money and enjoying yourself. Make sure to stay positive. The world is better with you in it.