Debt collectors like to play on your emotions because they think you'll give in and do something you can't really afford to do. Most of them don't care about you or your situation as long as they get some money.
I will never be unemployed.
A vacation home is a wonderful 'extra' as you start building wealth. Remember, though, it's still basically a very large, very expensive toy.
There are no shortcuts when it comes to getting out of debt.
My wife, Sharon, and I started with nothing when we got married. I was driving a 1902 Pinto and eating off a card table.
The thing I have discovered about working with personal finance is that the good news is that it is not rocket science. Personal finance is about 80 percent behavior. It is only about 20 percent head knowledge.
