When we first got married, life was simple, no house payments (we rented), no car payments, no student loan payments, just our income to use how we wanted. Fast forward 8.X years and its the opposite end of the spectrum. At 135k in debt, we can’t afford to do anything with our income but try to cover the bills. The sad part is that at 135k left, this is already after paying off all of our credit cards, some of my wife’s student loans and a 15k private loan. For many years we lived on only my wife’s income and my part time income as I was in college working on my engineering degree. I have to say that it is probably my fault alone as to how we got where we are, years of untreated depression and an addiction to the evils of the internet (ie buying stuff online) and an addiction to ebay have taken its toll on our finances. Add to that the truck, the house and now that all the student loans kicked in… we are hurting. What’s your story? Leave a comment… we are all in this together.