Well, I came back...
I visited this site a few months ago and posted a few questions about consolidating my debt, then I had a financial gain for a short period of time in which I was able to eliminate some of the debt, but also gained other debt as well.
Here is my situation:
I am 34, married to a beautiful woman and we have 3 children - so we are a family of 5. I work a full time salaried position in a professional field and I have my own business where I design homes at night.
I am literally working myself to death and not seeing any capital gain out of the situation.