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No. of Recommendations: 7
For the love of God...CREDIT CARD INTEREST is what I am overspending on, and what I am over spending on. Never mind.

Yeah. You're paying, what, $500 a month or something in interest alone?

But there seems to be something you aren't getting. That's a consequence of overspending before, not the reason you're overspending. I mean, sure, it contributes additional overspending. But you were obviously overspending or you wouldn't owe that interest in the first place. Get it?

Either we're missing some bit of data about you having changed your self-destructive habits already, or you're a stubborn moron. And to be honest, the fact that you are considering pulling retirement assets to help the situation in the short term is a clue that you haven't changed your self-destructive habits. Maybe that's an incorrect assessment on our part, but you haven't given us any information to the contrary.

AJ's position is spot on (assuming we've made a correct assessment), and the fact that you have this attitude towards her position is, frankly, ANOTHER clue that you haven't changed your habits. Maybe I'm wrong and you absolutely have changed them, but you haven't said as much, and the clues hint otherwise.

Either way, buckle down even harder to pay down that debt now, without making decisions that will jeopardize your comfort later in your life.

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