The words 'fiscal responsibility' weren't even part of my internal lexicon, up until recently.
I'm still trying to get caught up from the mess I made of the rest of my life!! 🤣
Hey, a mess is a mess is a mess.
Honestly I got out pretty lucky. Most of my early debt is already gone- more than 7 years has passed.
And my student loans never got *that* high, comparatively- so that's already paid off!