No one needs an $800 dress and xbox or a phone unless they work or have kids. Further parents are not obligated to go into debt to pay for college for their children. This sounds tough to some. When you retire are you going to be prepared?? Will you be able to pay for your rent or food with the old xbox or dresses, of course not. Will your children pay for you retirement? No they will not.
You don't need a nice truck you're just trying to convince yourself its needed. You need a plan to follow and I think you have been looking for one for a long time. I have and will continue to recommend listening to Dave Ramsey. He has a web site with pod cast type recordings. He is correct in what he teaches and I would be so very happy if you sign up for a local class. If you are serious about it contact me via pm and I will consider sponsoring you.
I'm 63 and have made plenty of errors in my life. I can't change my history but I can speak direct and without the niceties others might prefer but it is my aim to get your attention. I hope I have. 73, Mike
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