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Today's question comes from Ryan in Colorado. Oh boy, Jade. Take a deep breath on this.

I need you to slow your pulse down as I read this. I have a $350,000 HELOC loan on our house, which is worth $700,000.

The first mortgage balance is $400,000.

I also have $40,000 in credit card debt

and two vehicles that we owe nearly

$100,000 on.

Are you up to date on this right now?

How's your blood pressure?

You don't know okay?

It's high.

Okay.

I also have a $30,000 loan against my 401k. I earn

$175,000 a year. My wife is a stay-at-home mom. These debts are primarily the result of my attempts at

stock market trading, where I chased losses creating the financial disaster. The cycle of greed

and poor decisions has not only affected my

family, but also my mental health. I'm overwhelmed with guilt and feel like I have failed as a

husband and a father. I am a desperate need of advice on how to manage and overcome this financial

crisis. Large asterisk here for Jade as she takes this on. This is an email. You can't go back and forth with this guy, but go ahead, take it

away. I mean, no wonder he's feeling overwhelmed and no wonder he's feeling like he failed and no

wonder his, you know, mental health is feeling affected. This is a big, big, big, big mess. He doesn't

tell us over what period of time this happened, all of this.

...