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So I'm 25 married.

I got a daughter and about $550,000 in debt, including a mortgage.

Just kind of feels like I have your every dollar

out. I've been trying to use it, but even then, it just feels really overwhelming, trying

to see basically no light at the end of the tunnel. So, right? So it's just a little,

need some guidance based on how to work it out from here.

How much consumer debt do you have?

Let's separate the mortgage out because that'll help take away this mountain of debt you're looking at.

Sure, yeah.

I have $145,000 home equity line of credit, $14,000 personal line of credit on my wife's side that was transferred over from a student loan, $1,000 credit card and a $5,000 credit card.

So $165,000 total.

What was the home equity line for?

Consolidating other debt.

What was that debt?

Two cars that we had, and then some of it too was basically we're obviously

Robin Peter to pay Paul, right?

My wife went on here in Ontario, like you get 18 months of

maternity leave, right? So, but when you are in 18 months, the subsidy that you get from the

government is very low, like it could be maybe $500 a month, right? So I was using that to pay for

our home expenses too on top of that so she couldn't

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