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So I'm in an interesting situation. Back in 2018, I had purchased a house with my stepfather at the time.

And it seemed a good idea. We were splitting the percentages that was going to get me into a house.

A little bit sooner, I had a growing family, and they were supposed to only do their six months out of the year.

Fast forward to a couple of years ago, my mother had split up, and at this point in time, now my mother is living downstairs in the in-law apartment,

of which I am responsible for all the utilities right now,

and it's really hindering my ability to make any progress on my debt snowball and make some progress

in the baby steps. And I'm just wondering, you know, should I look to sell this house? My mortgage

is super low. My mortgage is under $1,000 a month.

And I do have some equity in the home, but I'm wondering if it makes sense for me to sell,

uproot my kids, find somewhere else to go, either raise my mortgage or even have to potentially

get a rent, or if I should have just a conversation with my mom, start trying to get some utilities

from her. It's a sticky situation. I don't know where to go with it.

I'm so confused. So let me get the fact straight. Your ex-stepfather is on the mortgage.

My ex-stepfather is... He's on the mortgage. We're going to get really weird here. So my ex-stepfather is... He's on the mortgage.

We're going to get really weird here.

So my ex-stepfather is actually my mortgage holder, and he owns a part of my house.

So he is the bank.

He is the bank and owner.

But he doesn't live there anymore.

He does not live there any longer.

So your mom lives there, and you're saying you can't pay off your debt because the utilities that your mom isn't paying for are crushing you financially?

...