How Many Are Close To A Breaking Point?

Yeah, that's the kicker. It's not like I have been making minimum payments for 20 years on debt beyond my means. I JUST bought a house for the first time 2 years ago, partly because we were better off in the past 4 years than the previous 12 combined (before that). I was tired throwing money away to landlords that I'd never see a return on, so I bought a house at a very good price.

My suggestion for your sister's family would be to create some product and attempt to sell it. I will certainly be trying the same thing. Generate your own wealth instead of skimming it from another place. I know that's not always an option, but in these times you have to try everything.

Also, as another poster suggested, try to rent a room of the house out. I will certainly do that before foreclosing.

I really don’t know why! I should be strong for my Wife! Since she is going through Chemotherapy and Breast Cancer! But I thought of killing my self today! I am 59 years old , and unemployed! Nobody wants to hire a older person! I just feel so inadequate! I will do everything thing I can do for Her! But my life feels worth less! Love you all

Obviously, that would be a last case resort, but it's one I have considered.

One of the problems is the simple difference between surviving and living.

I'm not ready to completely give up on living just yet, but I'm also not afraid to do what needs to be done in order to survive if the time comes.

As long as you always put herself above yourself, then you will have the strength to do what needs to be done to provide and care for her.

Yeah, second that!

Well said!

Hang in there. Look for the smallest things to be grateful for every day. It helps.

I feel your pain. The wife and I managed to refinance the house a few months ago but now we are splitting up. Only been married a little over 2 years.


This last year has been hell and it's mainly because we are completely opposite with political views....and I've known her for 10 years now. Something about this year radicalized the left (which she is). I'm libertarian if anything at all. She hated the fact that I didn't vote for Biden to try and get Trump out of office. I did not vote at all and also told her if I had a gun to my head it would have been for trump before Biden.

Needles to say she got a super feminazi haircut, died it purple and well now here we are going through a divorce.

Everyone has been tested this past year so slightly different circumstances but I feel your pain the same way. Here's hoping things get better.

lol. we are in Covid. They cannot kick you out! You can pay water bills and electric bills. but Rent is no need to pay!

And im sure all Electric companies will not shut down the Power. until April 30th. Mine is like that.
but gas i think i have to pay. i dont see anything about that from Gas. only electric. Online you can see it. your online electric site.

how are we supposed to retire if we are broke?

Well hold up. You're 59 years old and apparently have been and are, a pretty good husband. You know a lot of things by now and maybe you can take that knowledge and make it pay.
Maybe you can do handyman or "honeydo" type jobs.

Work your own hours and charge whatever they will pay. Don't give up. Colonel Sanders was 65 when he chicken franchised the planet.

Last Edited by Furrry Pete on 01/29/2021 08:44 PM

Seems like you didn't dodge a bullet, but may have been grazed by one. Which is still a much better outcome than getting shot outright. I just hope you did not have kids with her, because having split parents is one thing. Having split parents when one is a feminazi is a whole different kind of...well future therapy.

Just a question did he have 401k plan?

Wow, that's an awful story. I'm so sorry.

They can't kick me out, but they sure can jack up the interest and destroy my credit.

If it were a preplanned end date of covid and the world goes back to normal, then that's one thing. But, I don't think anything will go back to any semblance of normalcy anytime soon. I have a feeling it's going to get a lot worse before it gets any better.

hey.. figuring a way to make 400 extra a month isn't so hard. Have you tried selling things around the house to get you by another month?
I have found that if I specify the amount i want to make..then plan how to make that amount.
odd jobs?
Snow removal?
Offer up as a handy man on facebook swap site?
Do you have any skills?
Are you crafty?
Part time job?

This is what has happened to Americans. Basically they don't care what happens to their neighbor as long as they are okay. What they don't get...it will happen to them too. Just a matter of time.

Heh, I just started up ebay this past month to try and sell things from around the house.

The only 'sales' were from scammers trying to get my phone number with no intention of paying.

I am trying though and will continue to try.

These people love hiding their true intentions and ruling over the masses with a facade of legitimacy and fairness, but this past year has absolutely obliterated that notion. Every single institution is corrupt to the core, and though this has been obvious to us for years, the scale of the examples are becoming larger and larger.

March - COVID appears. Science and the medical profession are corrupt. The media and politicians play along with it. Both corrupt.
May - George Floyd breathes his last. Law enforcement is corrupt.
November - Biden wins. The government is corrupt and the election system is corrupt.
December - There isn't an investigation into the election fraud. The court system is corrupt.
January - Massive internet companies start censoring everyone. Big tech is corrupt. Hedge fund billionaires attempt to screw normal people. Finance is corrupt.

The church is corrupt. Historians are corrupt. Charities are corrupt. I can't think of a single large institution that isn't corrupt.

How long is this going to hold? At what point does every institution become so outwardly corrupt that everything just falls apart?

Well, as I just pointed out in my thread that was generally dismissed and ignored, the entire system is collapsing under the weight of two completely contradictory worldviews - neither of which appear to be true.

The entire world's system is falling apart, it was predicted to happen around now astrologically, by the forth turning, but the 4rd wave, by the killshot, etc, etc, etc, many many many people predicted it to happen sometime betwwo 2000-2030 and it's started.

I would advise selling locally, a lot less hassle

Now is the time to RETRAIN if you have lost your job, Do NOT be beaten down by this, its a waiting game as the deep state gauge just how far they dare go before the masses turn on them. THEY are running out of time, you need to maximize yours!

STOP wasting time on the internet looking for sympathy and sorrow, we are ALL going through this. (not aimed at OP btw.)

Look on your local job sites and see just what kind of vacancies there are, perhaps you have no experience in those fields by you'd be suprised how many companies will hire someone that has an active interest. Loads of free lessons for everything on the net.

Have you registered with any employment agencies that can either find you work or hose that offer temp jobs?

Keep your phone charged and always leave a landline number in case your mobile ends. Always use your name and phone number as a CV's file name when you send to people. ie. Bill Gates CV Tel: 666 6666
Break long phone numbers up, psychologically, potential employers will favour them.

Look after you health, yeah sure we all get old and bits fall off, but get out for a walk, BE ACTIVE, get some sunshine.

Go through your email inboxes and anywhere you've had correspondence with previous employers or colleagues. Look them up, be honest, you'll be suprised.

If you are in risk of not making a mortgage, HIRE OUT ROOMS, or the whole thing and check out English language forums in Hong Kong or Chinese (English language) forums in your area.
Up to 3 million Hong Kongese are leaving the place, or certainly making plans to. Do they need somewhere to rent while they sorted out?

These are just ideas, but remember all ideas are that... now in the meantime RETRAIN, STAY HEALTHY, Keep your faith in GOD and if you haven't that, maybe time to look into it.

I'm going to live off spoils of war!

I think I lost my breaking point tonight on different reasons. I brought my wife up to speed on the situation that America is going down and my intention to fulfill my oath to our country and she did not agree. Meaning she did not agree that a fight to death is not warranted. She called me crazy.

I've been poor most of my life, mostly because I worked for the US government. LOL I totally understand things getting so tight that a loss of income can change a family's future. I'm hearing you, I'm sending good thoughts and prayers to you and although it may be small comfort, know that you are not alone.

Let me suggest something.

Perhaps this is a wake-up call. Perhaps it is time to pick up your family and move to your own homestead . . . something where you trade SWEAT for the bank's slave mortgage.

Find a decent community, in a small town, in a place that is religious and conservative. Even if you're a Satanist, trust me, a conservative/religious community is best.

Buy a small plot of land that has a small house or trailer. You move in and as a family, you begin to build something better. Plant your own vegetables, Get chickens. Build your own oven and learn to grind wheat and make bread. Buy things at the local flea markets and farmer's market. If you're really lucky, you may be able to find a homestead near a lake or river where you can fish.

I know this is a lot to process. It's a huge, life-changing move. But this is exactly what our American ancestors did. They escaped the tyranny of the rich, the bankers and the over-crowded cities and they went west to build a new life.

Think about turning this into an opportunity. Regain your composure and moral center and lead your family to freedom. Millions have done it. So can you.

which means our refinance falls through, which means we won't get $400 a month lower payments, which means we can't afford our current payment

YOU SOUND LIKE A TEENAGE BRAT...

1 THING, IF YOY CAN NOT AFFORD TO BUY IT THEN DON'T...

YOU ARE THE IDIOT FOR BUYING INTO THE BANKERS LOAN GAME
YOU ARE THE IDIOT FOR BUYING INTO THE BANKERS LOAN GAME
YOU ARE THE IDIOT FOR BUYING INTO THE BANKERS LOAN GAME
YOU ARE THE IDIOT FOR BUYING INTO THE BANKERS LOAN GAME
YOU ARE THE IDIOT FOR BUYING INTO THE BANKERS LOAN GAME

Yep. When the father of a dying diabetic girl can no longer afford insulin thanks to the recent price hike, who do you think he will come after?

EVERYONE has a breaking point.

Some breaking points are more reasonable than others (in the eyes of the masses), but everyone has one.

And even though I just made up that example on the spot, I guarantee that at least one person in this country is going through the exact scenario I wrote above. The people in the pharmaceutical industry just better pray they are people like myself and not prone to violence when hitting their breaking point.

You know, if I was in your shoes today, I would sell the house now well you can get a decent price for it and buy a cheaper one. Size down as far as you can go!

Honestly, I would rather rent then have a mortgage today, I just hate debt of any kind. Debt = Slavery

I want to buy a house again, but I just know the way things are going, I'll probably pick one up for cheap in the not to distant future the way things are going.

And when I do, I will pay cash for it.
I live real cheap today, rent is 450.00 a month, room and board while I save, save, save. I paid cash for a 30ft nice camper last summer and I'll live in that this summer closer to work.

I'm living sacrificially right now but it will pay off I hope one day soon.
They can't take something you own outright from you.

I have thought of that, so no worries about suggesting it. I have always been for the rural life, but my wife always wanted to live in the city. If push comes to shove, I am more than willing to buy into a smaller country home.

I'm not going to pull the trigger just yet though.