Looking for some advice here.

Jarod O: Looking for some advice here.
I’m a little lost here. I’m 36 SWM and just feel like crap all the time. I used to exercise all the time, but don’t any longer and now I’m about 6′ 195 lbs. This isn’t my only concern, there’s a lot of things that bother me. I only owe 47K on my house. I still need to do a lot of things to finish it. It will be worth about 225K when its done. I say another 20K into it and it’s done. The trouble is that I owe 14K on a credit card and just don’t seem to be getting the things I want in life. I was a Pharmacy major in college, but put Pharm School off because it’s only full time plus some of my classes are a bit old and they may make me retake them. My job is not bad, but it’s not what I want to be doing for the rest of my life. This is what I’m thinking of doing. I want a new little black convertible, I want my teeth fixed. I’m talking 10-15K in veeners, I want my house finished, I want to get back in shape and I’m thinking of going back to school and getting a masters in computer science. Something I enjoy also. The thing of it is, is that I don’t want to pile up a bigger debt. I was thinking of finishing my house and renting some rooms to students. This would get me around 750 – 800 a month extra. All in all, I’m just lost and feel like crap. Should I refinance my home for 100K and get everything I want of just hold off and wait the years out until I can get the money? Should I rent rooms? Should I go back to college? I make like 47K right now, but at this point everything extra is going towards bills or fixing my house. I was locked up 6 months in prison for a second DUI and seem to be spiraling since then. But when
I was sitting in that 6 x 9 I told myself that possesions didn’t matter and I would just take chances and live how I want to. I would take a loan out, finish my house, fix my teeth, by the car I wanted and go back to school. However, once I got out, and find myself doing the same thing as always. Spending little attention to what I want and focusing more on making sure everything is paid and creating a debt free future for myself when I reach about 50. Who knows I could die at 50 no one knows. So anyhow, should I just say screw it and get the things I really want or should I continue work towards a debt free 50?

Answers and Views:

Answer by ♥michele♥
This is what I call mid-life crisis. You’re going to be fine. You’re still very young. Make a list of everything you want to do – and everywhere you want to go. Then write down the steps to get there. Only you can make decisions for you – write down the pros and cons. If you need extra money, apply for a second job until you can get back to school. You said you were alone – so get out and do things, take up hobbies, and don’t stress. Everything is fine. Most of us aren’t exactly where we want to be.