Quote Originally Posted by Toofastgs View Post
Must feel nice to be almost out of debt.
I will never be out of it.
I will never be able to live in a better place ( im stuck in this **** hole)
I will never be able to drive a better car.
I will never be able to even have something set a side for an emergency.
I dont know if i will ever have a 401K i am 26 and still dont have one yet my place of work matches 100% up to 4%

I have thought about bankruptcy but from what i read and heard i still have to pay it all back and it is worse then not paying my other bills as i am doing right now.

I owe IRS prob around 7k still
State of oklahoma 5-6k
Credit cards 10-15k depending on interest now.
An a 20k Loan that i am making on this house which when i am done payign it back be damn near 100k
You are a true candidate for Dave Ramsey's course. You need to seriously consider getting it. Once you learn how to manage your money the way he shows you, you wont be so negative about your financial future. I didnt owe quite as much as you do, but we got it down to where we are now in just about 18 months.