Connor

Hey, how are you today?

Hey, how are you today?

Hey, how are you today?

Yeah, so I'm 25, married. I got a daughter and about $550,000 in debt, including a mortgage. Just kind of feels like... I have your every dollar out. I've been trying to use it, but even then it just feels really overwhelming trying to see basically no light at the end of the tunnel. So, right. So it's a little, need some guidance based on how to work it out from here.

Yeah, so I'm 25, married. I got a daughter and about $550,000 in debt, including a mortgage. Just kind of feels like... I have your every dollar out. I've been trying to use it, but even then it just feels really overwhelming trying to see basically no light at the end of the tunnel. So, right. So it's a little, need some guidance based on how to work it out from here.

Yeah, so I'm 25, married. I got a daughter and about $550,000 in debt, including a mortgage. Just kind of feels like... I have your every dollar out. I've been trying to use it, but even then it just feels really overwhelming trying to see basically no light at the end of the tunnel. So, right. So it's a little, need some guidance based on how to work it out from here.

Sure. Yeah. Um, second year I have, $145,000 home equity line of credit, $14,000 personal line of credit on my wife's side that was transferred over from a student loan, $1,000 credit card, and a $5,000 credit card. So $165,000 total. What was the home equity line for? Consolidating other debt.

Sure. Yeah. Um, second year I have, $145,000 home equity line of credit, $14,000 personal line of credit on my wife's side that was transferred over from a student loan, $1,000 credit card, and a $5,000 credit card. So $165,000 total. What was the home equity line for? Consolidating other debt.

Sure. Yeah. Um, second year I have, $145,000 home equity line of credit, $14,000 personal line of credit on my wife's side that was transferred over from a student loan, $1,000 credit card, and a $5,000 credit card. So $165,000 total. What was the home equity line for? Consolidating other debt.

um, that we had. And then some of it too, was basically Robin Peter to pay Paul, right? My wife went on here in Ontario, like you got 18 months of maternity leave, right? So, but when you are on 18 months, the subsidy, the subsidy that you get from the government is very low. Like it could be maybe $500 a month. So I was using that to pay for our home expenses, too, on top of that.

um, that we had. And then some of it too, was basically Robin Peter to pay Paul, right? My wife went on here in Ontario, like you got 18 months of maternity leave, right? So, but when you are on 18 months, the subsidy, the subsidy that you get from the government is very low. Like it could be maybe $500 a month. So I was using that to pay for our home expenses, too, on top of that.

um, that we had. And then some of it too, was basically Robin Peter to pay Paul, right? My wife went on here in Ontario, like you got 18 months of maternity leave, right? So, but when you are on 18 months, the subsidy, the subsidy that you get from the government is very low. Like it could be maybe $500 a month. So I was using that to pay for our home expenses, too, on top of that.

12 or 18 months, yeah, is what you get.

12 or 18 months, yeah, is what you get.

12 or 18 months, yeah, is what you get.

Yeah, at the time I was working a commissioned job, right, so I wasn't making a steady income. At a time during that 18 months.

Yeah, at the time I was working a commissioned job, right, so I wasn't making a steady income. At a time during that 18 months.

Yeah, at the time I was working a commissioned job, right, so I wasn't making a steady income. At a time during that 18 months.

Uh, I make about 80 to a hundred thousand.

Uh, I make about 80 to a hundred thousand.