Jade Warshaw

I think that you put yourself in a really tough spot because this is now your home that's on the line and it is now half of your income, more than half of your income.

So for that reason, unless you see your income going up drastically here soon, you put your house on the line because your mortgage can't be 50% of your take-home pay.

Okay.

Here's the options.

I'm going to just shoot you straight.

Option one is...

you figure out a way to increase your income drastically.

Because here's the thing, your child's 18, even if the child support lasted until June, it was still gonna go away, which means by June you still would have been in the same situation with your income.

So while I wish that you were still getting that money, in the grand scheme of it, it's kind of neither here nor there.

It was buying you a little bit of time here.

So unless we can figure out a path to get your income up

very, very much, you might have to sell this house.

And when you would sell it, what you would do is pay off the $77,000 HELOC and maybe have a little bit left to clear out some of this personal loan, possibly all of it.

It just depends on what the fees are.

And then what you could turn around and do is sell your car and use the $4,700 you have saved and buy a cash beater and you're completely square.

And you're debt-free.

You're debt-free, but you're starting from scratch and you're rebuilding something really new and something really awesome.

And I just told you a lot.

I just realized what I did.

And I don't expect you to go, okay.