I'm not a fan of debt consolidation. In my experience, many people "clear" credit cards and other debt to get the one payment and never change what they need to change to prevent getting into debt again.

I just don't like people taking debt into retirement.

You'll feel better when you get all that debt off your back.

I understand why many are still poor or struggling to make just a middle-income lifestyle. I'm a fiscal conservative, but I also have compassion for people who make financial mistakes.

You shouldn't invest the money if you are looking to use it within five years. Too much risk.

The rich are depressed because they realize their money can't buy them out of their issues.

The sad thing is many people learn how to manage money after they've made a lot of financial mistakes, some that take decades to fix.