Dear Pay Dirt: I'm 40, and I think I'm screwed.
Capitalism is slowly killing me and my hope for the future, especially the punitive nature of capitalism, credit, credit cards, etc. in the U.S. My wife and I have a significant amount of credit card debt from a combination of spending habits, a lack of financial education and literacy, and living in an expensive city. Together we make about $105,000 annually before taxes.But I’m a dreamer and I love having ambitions and hope. We’re trying to save for the wedding we never got to have.
We’ve looked into debt management and credit counselors, but I’m wary of those because I know that creditors don’t have to accept such terms and could keep demanding we pay them directly rather than going through the credit counselor.And my second question is: How do we continue to survive under capitalism and not feel like we’re being punished for not making enough money, for making mistakes that no one prepared us for? I know the obvious answer is therapy.
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