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I've got around 300,000 in equity in my home, and I've got a total of 240,000 in debt,

with 140 of that being the mortgage, some pretty bad debt within that 100K.

And should I sell my house to get out of debt, start over, I'm 43, I have zero retirement.

The house is my retirement.

I've had a really rough couple of years, some pretty tough events have happened.

And trying to get out of this financial prison, if you will, and there's no money left over to save,

and I just don't know what to do.

Should I sell the house, refinance the house, stay put and just try to do a bit snowball.

What's your household income?

Combined with my wife, it's 140, with me bringing in 100 and her bringing in 40, the only caveat to that is after my employer paid health insurance, which is $1,700 a month, I'm taking home about $5,000 after taxes.

Okay, but you're getting a tax refund.

That's another thing. I owe the IRS $7,000 that I'm making payments on that I have left from being, my wife being self-employed all the way back to 22 that were making payments on. So my tax refund goes to that.

Okay.

But that should be paid by this year's tax refund with my monthly payments.

I'm really hoping to have that paid off by the end of the year.

Yeah.

Okay.

And how much do you owe on your truck?

39,000.

And that's of the hundred?

Yes, sir.

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