Things are looking up. Trying to be real prudent over these next 3 years. I'm trying to be debt free, house and all. A lot can happen in 3 years, but I'm happy to even have a vision extended that far. I was so depressed over this last year, I didn't want to see tomorrow most of the time. I'm debating on how to settle this debt. I kind of want to get a lawyer, but I also think I could do it myself and that would be an interesting process to learn.