Folks over 30 who started over, what did you do?

Folks over 30 who started over, what did you do? I got myself into debt with very stupid/irresponsible spending habits while unemployed. Now I've been employed for a few months again, barely tapering that behavior, and fed up enough with said debt that I kind of went scorched earth: I emptied my HYSA, my brokerage app, and cashed out an old 401k I forgot I had (it didn't meet reserve, so I cou...

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