"It sounds like, at a fundamental level, your sleep quality is lacking. You say you sleep, but wake up exhausted and unable to function.
Yes, time. Yes, daylight. Yes alarm clocks, yes, yes. But it all boils down to waking up because you're…"
"1. The US economy is not a household budget. Some principles do apply to both, but overall - comparing them, even as an analogy, fails on several levels.
2. Absolutely, the debt should be dealt with. Growing faster afterwards is possible...…"
"Makes some sense. If you overspend yourself into credit card debt ... cutting-up the credit cards cuts your effective income, and using your actual income to pay it off reduces does so further. Less to spend because you already spent…"