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[quote=Anonymous]OP, wish I had answers for you, because I too have my own financial house to clean. I just wanted to offer you encouragement - there IS light at the end of the tunnel. You are not alone. DCUM will have you believing that you are dumb, fiscally irresponsible, etc. because everyone who posts here has millions of dollars in their 401k by the time their 30, and fully funded 529s for their 4 kids, but there are millions of others who aren't there yet, and that doesn't mean that you can't improve your lot and catch up. Keep doing what you're doing re: living frugally and thinking of ways to improve your income, etc. [/quote]
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