$70,000 in debt is not the end of your life. It’s the beginning of a rebuild. At 29, buried under mistakes made in your early 20s, it can feel suffocating. But debt is a math problem, not a moral failure. People have climbed out of $70k, $150k, even hundreds of thousands—by changing habits, consolidating debt, working relentlessly, and staying alive long enough for compounding to do its job. If you’re young, healthy, and still breathing—you still have leverage. This is not rock bottom. This is t
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