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[quote=Anonymous]I don't think it's as helpful to have the I told you so comments or I earn less and have over a million. I was a little shocked when I read the post too BC I am of a similar age.I don't disagree but I think OP already knows he screwed up big time. And just wants solutions.

This is what I would do. Agreed on Dave Ramsey financial peace university. Do online. Dave is for financial alcoholics so to speak.

Speaking of Dave do not  follow his investment advice at all. Use him to get out of your debt hole but avoid his smart vestor pros etc.

When you are ready to invest invest only in index funds, BC they are low cost and diversified. E.g. s and p 500 index fund or total stock market fund. If you have an employer match take advantage to get the match, don't wait to get out of debt. But maybe do less until you get out of debt then you have to accumulate much quicker after you are in better shape.

Dave is very debt adverse and thinks cc are evil.  I have a cc but pay it off monthly and never carry balance.  If you are out of control with cc debt then you shouldn't use one at all.  Look into snowball method. Line up debts and pay off smallest one, rolling the momentum to the next one.  Dave explains the logic here quite well.

If you want to save money you can probably get everything you need from just watching his YouTube.  But I do think if your situation is dire, fpu will be a worthwhile investment. Good luck. It's late but it's never too late.[/quote]

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