A personal note from longtime reader DC: “I have a question and seek your advice, please.” 

“Previously your advice – whether shared in your writings, your talks, or in person – has always been helpful, appreciated, and usually timely.

“A couple of years ago, I had to go through a rough and contentious divorce…. I know I did the right thing, but financially it wiped me out and necessitated a large debt hole. I just turned 60 and am healthier and happier than ever…. Income is solid, but it largely goes to servicing debt.

“Today, I read your writings on debt and will follow the ideas you shared. I am starting all over again. Is there any further advice or pointers you can share to help me on my path out of debt?”

My Response: Thanks for reaching out and for being so candid about your situation. I think there is a lot you can do to get back on track and start enjoying the benefits of your talents, your concerns, and your ambitions. One thing I’m going to do is have one of my books – The Pledge – sent to you. It’s about starting over. And it’s very pragmatic. After you’ve had a chance to read it, we can have a chat… either just the two of us or maybe make it something we can share with others.