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Last Updated: March 31, 2026

I Can’t Pay My Bills

During a recent depression episode, I spent literal thousands of dollars to play stupid iPhone games because the little rushes of dopamine when I won fought off the negative thoughts.  Never mind the fact that I wasn’t winning anything tangible, but I was spending money to play these games.  I got to a point where I blew through my savings, and took out an entire salary’s worth of money from my 401k.  And of course, I didn’t take enough taxes out, so I ALSO will owe the government thousands of dollars too.  I haven’t had a raise from my employer in 4 years, and I can’t ask for a raise.  In fact, I was so distracted about my financial situation that I made some real bad mistakes at work.  I’m still employed, but I have been demoted and I can’t get any bonus until I prove myself again, so I truly only have my base salary.  I have a second job, but I literally do not make enough to pay my rent, student loans, utilities and credit card bills and am running out of funds to feed myself and my cat.  I need HELP.  And I need to be able to clear my debt without taking more loans because I also keep getting denied for personal loans (not that borrowing money to pay borrower money makes it any better), but I’ve got nothing.  Please use paypal.me/michaeltlacey.

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