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Well, I find myself very much in a poor mindset, and I was listening to your conversations

earlier, right, and buying vehicles, finding out what the down payment was versus

the monthly payment.

34 years old today, I find myself in about $50,000 worth of debt.

Salary, making about $88,000 a year.

Have a home.

I purchased that about four years ago, so it's gone up significantly or good enough,

I think, in equity, upwards of $100,000.

However, the debt to income ratio, I think, has finally caught up.

And I think the writing was on the wall a few years ago,

but I've been able to kind of stave it off as much as possible.

Unfortunately, today I find myself making minimum payments,

sometimes missing payments,

dealing with late fees, penalties, and really just making the fair minimum, sometimes missing those payments.

In turn, having negative effects on my credit score, which are obviously impacting me long-term

for any loans or anything of the sort.

So the question is, well, what do you promote or advise that I do,

but what I had thought about is selling the home that I currently have,

using the equity to pay off the debt, in turn, raise the credit.

I should have some money left over at the time

...