Debra (Caller from Phoenix)

Definitely on the cusp.

Okay. I have two houses. Okay. One, I was renting out. The renter went away, totally destroyed. trashed the place left the place broken haven't fixed it had a lousy lousy horrible horrible 2024 year and it's left me with $70,000 worth of credit card debt because of the house or because of other things The house, trying to get people to help get it repaired, that kind of thing.

Okay. I have two houses. Okay. One, I was renting out. The renter went away, totally destroyed. trashed the place left the place broken haven't fixed it had a lousy lousy horrible horrible 2024 year and it's left me with $70,000 worth of credit card debt because of the house or because of other things The house, trying to get people to help get it repaired, that kind of thing.

Okay. I have two houses. Okay. One, I was renting out. The renter went away, totally destroyed. trashed the place left the place broken haven't fixed it had a lousy lousy horrible horrible 2024 year and it's left me with $70,000 worth of credit card debt because of the house or because of other things The house, trying to get people to help get it repaired, that kind of thing.

It's still sitting not repaired. It's been eight months. So I've lost that income. And then my income went down from five days a week to three days a week. So that also hit me. Plus I had like knee surgery. I have kids living with me. I have grandchildren living with me. And honestly, the money I have now,

It's still sitting not repaired. It's been eight months. So I've lost that income. And then my income went down from five days a week to three days a week. So that also hit me. Plus I had like knee surgery. I have kids living with me. I have grandchildren living with me. And honestly, the money I have now,

It's still sitting not repaired. It's been eight months. So I've lost that income. And then my income went down from five days a week to three days a week. So that also hit me. Plus I had like knee surgery. I have kids living with me. I have grandchildren living with me. And honestly, the money I have now,

I can't make the bills every month, and so I've been putting my utilities on the credit card and that kind of thing. And this is over a year, and it's all added up, and here I am. All right.

I can't make the bills every month, and so I've been putting my utilities on the credit card and that kind of thing. And this is over a year, and it's all added up, and here I am. All right.

I can't make the bills every month, and so I've been putting my utilities on the credit card and that kind of thing. And this is over a year, and it's all added up, and here I am. All right.

On the rental, I owe zero. Oh, it's paid for. It's paid for. I inherited from my father. Oh, wow. I figured when I'm 65, I'd move there and retire. And there you go. Have no mortgage. Meanwhile, my other little home, which is condo, I owe about one hundred and fourteen thousand dollars on. OK.

On the rental, I owe zero. Oh, it's paid for. It's paid for. I inherited from my father. Oh, wow. I figured when I'm 65, I'd move there and retire. And there you go. Have no mortgage. Meanwhile, my other little home, which is condo, I owe about one hundred and fourteen thousand dollars on. OK.

On the rental, I owe zero. Oh, it's paid for. It's paid for. I inherited from my father. Oh, wow. I figured when I'm 65, I'd move there and retire. And there you go. Have no mortgage. Meanwhile, my other little home, which is condo, I owe about one hundred and fourteen thousand dollars on. OK.

Well, in the home because condo's upstairs kind of thing. Okay. You know? Yeah, for sure. I like where I live, but like I said, I've got grown children living with me. We're talking 30s.

Well, in the home because condo's upstairs kind of thing. Okay. You know? Yeah, for sure. I like where I live, but like I said, I've got grown children living with me. We're talking 30s.

Well, in the home because condo's upstairs kind of thing. Okay. You know? Yeah, for sure. I like where I live, but like I said, I've got grown children living with me. We're talking 30s.

Because they got no place else to live. One injured his back. He's got like a 10 vertebrae fusion. He's looking to get on SSI. He hasn't worked in a couple of years. And then the other one, he's got three kids, 12 year old, a 10 year old and a seven year old. And believe me, we don't have room.

Because they got no place else to live. One injured his back. He's got like a 10 vertebrae fusion. He's looking to get on SSI. He hasn't worked in a couple of years. And then the other one, he's got three kids, 12 year old, a 10 year old and a seven year old. And believe me, we don't have room.

Because they got no place else to live. One injured his back. He's got like a 10 vertebrae fusion. He's looking to get on SSI. He hasn't worked in a couple of years. And then the other one, he's got three kids, 12 year old, a 10 year old and a seven year old. And believe me, we don't have room.

You know, I've got people sleeping on the couch, you know, but I've been paying all the bills and I've asked for help. They don't help. One of them can't. He just doesn't even have a job anymore. The one that does work construction, he does have income, but he doesn't contribute. And he doesn't want to help do the repairs.