I had pretty substantial CC debt about a year ago. Nearing $14k. After health issues, having to move, replace many belongings, car repairs, etc. Used a 401k loan to pay off 10k of it, and since that loan was paid off (it was over $800 a month) I’ve paid the rest down under $3k, and should hopefully have it paid off by either year end or spring at the latest. Currently it’s sitting in 0% APR though, so it’s at least not eating away with interest.

Yes, because you owe someone else money.

Numbers good

Yeah, I’m generally an early adopter of software, even installed XP media center edition and Win 8 as soon as they were available through the volume licensing center. I’ve never understood the hate around 10 or 11 on the whole. Yes they have a few frustrating aspects, but overall, they’re significant improvements. I occasionally use a win 10 device at work, and it feels clunkier than 11 now. 7 was great, but it isn’t worth compromising an entire network for.