I'm a lifelong permaneet, but due to having to pay my mom's bills and replace broken stuff, and other unforeseen costs like having to pay my mom's property tax, I've ended up with about ~$40k debt between credit cards and personal loans. I tried to keep it under 20 but things started getting out of hand and I had no choice but to take on more debt or else risk foreclosure on the house.I feel like I have no future. I was homeschooled and grew up completely isolated, idk how to get a job, I have nothing to put on my resume, and I've failed courses at community college because I gave up and didn't drop my classes so they all got marked as F, meaning I can't get financial aid. So I can't go to college now. I literally have nothing to live for, maybe less than nothing.How do I even recover from this? I'm ignoring a lot of trauma and maladaptive behavior because I just don't have time to deal with that, nor the money, the means of transportation etc. I can't just fuck off to therapy like others could. My life is a constant struggle even without a job. I'm at my absolute limit.Any hope for me?
>>34839579Look up jobs in demand that will teach with no experience and cut your mom off
>>34839579organize and overthrow the capitalist system
>>34839579Fake your own death and start a new life in the philipines
>>34839785>"I am a financially illiterate jobless antisocial failure in life" >"You should become a communist"Never beating the allegations
>>34839579Ah, yes, the tale as old as time. the NEET outliving thier parents who didnt fucking raise them. > I've ended up with about ~$40k debt between credit cards and personal loans.You need to provide more information, or better yet, consult a financial professional. I assume your mother is dead, or somehow invalid to the point she can't work and is on welfare?>idk how to get a jobYou have internet access. I'm not going to sit here and write how to get a job. How old are you even? Do you not know what google or AI is? You can have a fucking college kid on Fiverr build a resume for 40-50 bucks. Find a job where the turnover is high and man the fuck up and do your best at it.>I tried to keep it under 20 but things started getting out of hand and I had no choice but to take on more debt or else risk foreclosure on the house.Yeah, you had a choice to sell the property and move out and rent until you had the money to get another house.>I can't just fuck off to therapy like others could. My life is a constant struggle even without a job. I'm at my absolute limit.Therapists wont help you solve financial problems. You need to stop sulking in your house and get a fucking job, even if it's just flipping burgers. You need to get a resume built up soon. You need to get assets you can't pay for off your books, and put the money into savings/stock market. Once you have money coming in and less financial bullshit your stress levels will drop precipitously.
>>34839918does this actually work? sounds pretty dubious. i've seen lots of people get those bottom-tier jobs and boom their lives were over. dependent on the paycheck, can't move up, nightmare life. i don't want that to happen to me.
>>34841067I guess I gotta spell this out.You have three choices coming due:1: You get a job. Because you didn't spend your teens, 20's and probably your 30s doing any form of self improvement or schooling, you take whatever you can get. After that you build your career as much as you can. If you get lucky you can be a manager, boss, or own your own business. If you are lucky, you can brute force and grind to make up for however long you were lazy, and actually retire, but you'll be broken by that point. Realistically, you'll work until you die.2: You keep doing what you are doing. Creditors realize you are a deadbeat with no income stream, and cut you off. Your credit score tanks, you can't get any loans or credit cards, and you can't pay your bills. Eventually the powers that be come for your shit. They foreclose the house and auction off your assets for pennies on the dollar, or better yet, dump it at the municipal dump or local thrift stores. wuith your credit tanked and no income, you can't get an apartment, since you look like a deadbeat on paper and there's a line of sixteen other motherfuckers who want the apartment you're applying for. Jobs won't hire you because you look like you'll be a problem since you are incapable of managing your finances. Ultimately, you end up homeless.3: You have some sort of windfall. You win the lottery, get an inheritance, or an investment you put in for pays big. You have lots of cash, but since you have no understanding of financial planning, much less impulse control, you spend it in 2-3 years, if that. Ultimately, the windfall isn't all that great, and society has a way of whittling it away even if you are careful. Ultimately you end up in scenarios 1 OR 2 again.Reality bites, tough shit.
>>34841113you have innate knowledge
>>34839579just don't pay it
>>34841290While I would argue this is actually a valid strategy, it isn't something you do wantonly. Most people just declare bankruptcy specifically because it comes with protections that allow somebody who is about to be financially ruined to legally put fourth that they are broke, can't pay debts, but are actively working towards getting to a state where they could pay debts. In bankruptcy law, this is called the automatic stay. The moment a bankruptcy petition is filed, this legal injunction immediately stops creditors from trying to collect. It instantly halts foreclosures, vehicle repossessions, wage garnishments, utility shut-offs, and even collection calls. For many people, this immediate, legally enforced breathing room is exactly why they fileThat would mean discharge of debt, or deferral of debt, depending on what is chosen, Chapter 7 or Chapter 13, typically.Just not paying is it's own strategy, but involves quite a bit of risk, and i don't recommend it because then creditors can hound you to the ends of the fucking earth.
>>34841113you are so gay lol
