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I admit to a life of working two jobs and spending or letting other half spend like I had three was a foolish mistake. The HElOC was the 15 year poison I tool willingly.
For the first time I am putting money into ira again and living within my means. Maybe you misunderstood what I meant by enjoying life.
To me enjoying life means living within my means a 10 year old car that runs well and is paid for, no loans of any kind a big priority. Maybe a week traveling to visit my brothers down south once or twice a year.
The point I was trying to make was I could pay my basic expenses on Social security at this point. I could have rented a nicer place but the goal is not to be a burden on my children when I get old and they have their own families to worry about.
As far as fixing up the place its practically free. I have been in the trades since I was 16 so other then a little materials most of which I get from craigslist its just time when I have it and when I dont I dont worry about it.
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