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Your personal debt is preventing you from thinking correctly...
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[quote:Anonymous Coward 1172249:MV80MDA5NTcyXzcyNTc5MjcwXzEyRUI5MEVE] [quote:Anonymous Coward 76999083:MV80MDA5NTcyXzcyNTc4ODcyXzQ5Q0UxMzcy] [quote:Anonymous Coward 70677209:MV80MDA5NTcyXzcyNTc4NDU5X0U1MzA1MTFD] [quote:BRIEF:MV80MDA5NTcyXzcyNTc4NDI2XzNBQ0VEQTRB] [quote:Anonymous Coward 70650445:MV80MDA5NTcyXzcyNTc4Mzk3X0FCNzIyNTky] The only debt I have is car loans. House paid off, have $500K in all retirement accounts. still 25 more years to go. [/quote] Why borrow when you can pay cash? [/quote] I don't have enough savings. All my money is going into the retirement savings and car loan payments. [/quote] Dude, great savings, nice work. But, don't make the mistake of being 100% future focused. Stop saving for retirement, pay your cars off, and then enjoy life a little, while still saving some for retirement. Head down, "25 years to go", 100% focused on numbers, is no way to go through life (particularly when you have the numbers that allow you to breathe a little.) Enjoy where you are at a bit -- you have earned it and are way ahead of the game. Always be diligent in saving, but when you're where you are at, you've earned a little joy. Everything could end tomorrow, and if it does you will feel mighty silly having spent all this time racking up numbers that don't matter in the end. Remember, the future is conjecture and yesterday a memory. We only live in an extended string of nows. If you've the luxury, enjoy the now. Now. [/quote] Call me a freak. I'm afraid about my future honestly. I see these news articles everyday about elderly people losing their homes to pay off their medical debt. I get so nervous thinking about it. What if it happens to me someday ? I can always pay that off using my retirement savings when I get old. [/quote]
Original Message
As I have been telling you for years...
[
link to www.marketwatch.com (secure)
]
A new study has a whole different take on what debt relief means.
Getting rid of debt doesn’t just unburden finances, it takes a weight off the mind that clears up cognitive functioning, lessens anxiety and improves impulse control.
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