I sincerely tried to get out of debt when I had to retire as a teacher. I managed to shed $23,000 worth of my $35,000 of debt before being sued by Bank of America. The lawsuit forced me into bankruptcy. Five years of debt-reduction belt tightening and poverty has not turned into a new $35,000 worth of debt including lawyer fees. And on top of that I have to add about $6,000 of hospital debt and $1300 worth of IRS tax payments. Instead of solving my debt problem, I have only added to it. Dying in a manner that will leave my family debt free is now out of reach. And yesterday I got a notice from the IRS suggesting I may still owe them more.
I am led to these conclusions;
- Bankers are pirates and villains. Especially Bank of America bankers.
- Lawyers are too expensive, especially when they are the only ones on your side.
- I am no different than a farmer’s cow. Cows get milked for actual milk. I get milked every single day for multiple dollars, most of it in the form of debt.
- The game is rigged against creative and intelligent people. You cannot make money as a novelist.
- To get ahead you have to be stupid and have no morals. That is why Trump always succeeds.
- But if you can ignore poverty and the disadvantages it brings, life is still wonderful and is worth living. I don’t need an angel named Clarence to help me see that.
If this essay seems like it has not fully addressed this theme, that’s because it hasn’t. Many more essays on this topic are coming… God willing.