Was way too irresponsible with my debt for too many years, finally taking baby steps

Was way too irresponsible with my debt for too many years, finally taking baby steps So I'm 32, and have about 45K in debt, which is also my annual take-home. How I got here is a combination of a few surprise expenses (surprise $4k medical bill for one) and just a really bad case of ADHD that combined my impulsive spending with my "out of sight out of mind" with my balance. Up to now I've managed to maintain steady payments acr...

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