Broken

Been there myself, except I don’t have kids, so can’t give great advice, except I’d use up all options first, for their sake.

As for options, two words to think hard about first: bankruptcy and divorce — maybe the same lawyer can do both! Sorry, divorce is a shitty thing to go through, so I don’t mean to make light of it, but really, think about the bankruptcy option. It’s not worth dying just for the bills.

It’s given me at least a few more years to try and sort things out without worrying about people calling for money…..obviously I’m here on this site so it hasn’t been a permanent solution, lol. But you aren’t me, and you have kids, so you may want to try anyway. All of our lives have different trajectories.

Yes, if you’re bankrupt everyone will consider you a loser, but they do already probably, as if everything is your fault and the ones who fucked up the economy are the victims. (I’m assuming you’re American like me, sorry if you aren’t — Americans seem to never side with the underdog anymore, unlike where I live now).

Yes, there are consequences, but so what? The economy is shitty, and it won’t get any better for you, probably forever, unless you happen to be in banking or politics. Trust me, when you can tell your creditors to fuck off forever, it will give you some peace!

My divorce was easy without kids — I signed everything over to my wife and left. Do what you have to in order to survive, and when all those things are done, then start making plans — just my two cents. Best of luck, man.