Got myself into $45K of credit card debt after college. It took over a decade to get out of that hole and, as you can imagine, set back savings/investment.

Having four kids on one income (the Mrs. is a SAHM) hasn't helped although I wouldn't change a thing. I think. (the SAHM thing, not the 4 kids thing )

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1980 300TD-China Blue/Blue MBTex-2nd Owner, 107K (Alt Blau) OBK #15
'06 Chevy Tahoe Z71 (for the wife & 4 kids, current mule) '03 Honda Odyssey (son #1's ride, reluctantly) '99 GMC Suburban (255K+ miles, semi-retired mule) 21' SeaRay Seville (summer escape pod)