I see a lot of posts here that seem to be designed to provoke a reaction and a reply. It’s almost as if people are desperate and starved for information but are too proud to just ask instead of posting false information in search of the response they are looking for. And I’ll bet these same people posting bait here are the skinny dippers, the ones who have been leading fake lives living beyond their means to “fit in” and “appear” to be making it. These type of people buy houses they can’t afford, buy new cars every couple of years, they have perfectly manicured yards and boats and RV’s in the driveway, closets full of c-ap they never use and have expensive hobbies. The receding tide is very revealing and exposes those who have been leading fake paid for lives, as they flutter and through the water desperate in search of overtime and making drastic changes to reduce or eliminate expenses....when the tide goes out there are always skinny dippers!!
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Try the Dave Ramsey reduce your debt programs. Pay off your credit cards , car loans etc,,,. Sell your boat.,
TLDR
OP just watched Fight Club for the first time
Yea!, Go buy something else that requires monthly payments, that will surely help!
You sound jealous of their lives....buy a boat it make you feel better