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I Am Married With Five Children and Struggling to Get By. Ken

“Dear Steve, I was self/unemployed after a layoff for about 3 years, until about a year ago. I had about $60K of home equity, but accumulated about $80K in credit card debt (I had no debt going into the period). We live very frugally, with hand me downs, Goodwil,l and 200K+ mile minivans. In the …

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