WOW, you do have a very good view on things, and reading your post here made me realize how much I need to stop digging myself into debt. I am guilty of living off 2 incomes, carrying credit debt, and not saving back anything. I also took out an equity loan to pay off my 06' Fusion. I can afford to pay this stuff back, but i realize that maybe I should save a little more and spend a little less, especially since I got the equity loan I am spending way more than Im bringing in and if I keep it up I'll be right back where I started before I took out the equity loan. However I think the equity loan was a good choice as it took care of alot of my old debt and only raised my house payment about $100 a month, and I payed off THOUSANDS with that. I bought my house as a foreclosure for cheap, had it appraised and it appraised for $100,000 MORE than I bought it for, so in that respect I borrowed some against the house to kill some of my bills. Was that really a bad move?