Where to even begin. Well my wife and I both had pretty good paying jobs. My wife has since had 2 back surgeries and is no longer able to work. Her back problem is only the tip of the iceburg of the problems she has faced in her life. She has been in and out of hospitals starting at 6 yrs old.
Well here is where the problems begin. I quit my job to start up my own business (a mobile oil change) which I had done a ton of research on before jumping into. Great concept. We come to you at your location. Well I knew it was going to be slow starting out, but I had about $60,000 in my 401k. I started up my business and my wife had to stop working. Well we have a lot of bills between the 2 of us. I figured we would be okay because the business was going to take off and I could always get a part time job as well. Well business has been awful and we have gone through the entire 401k in 7 months. Starting up the business and paying all of our bills with my wife out of work was more then I had bargained for.
The medical bills are piling up and I CAN NOT have a lapse in our insurance or my wife will not be covered for all the pre-existing conditions she has. She has applied for disabilty, but of coarse was denied. We talked to a lawyer who said, being only 39 and having a degree would hurt her chances of getting the disability. We are trying to appeal it, but this could take years.
My job search has been going on for 3 months now. I finally landed a job I will be starting in about 2 weeks, but the pay is a joke. Mainly taking it for the benefits before my cobra insurance runs out. We have sold a bunch of our stuff on Craigslist and e-bay already and not sure what we are even going to do about rent that is due tomorrow. Our bank account is in the minus.
I feel like a total failure to my wife and our families. This is my fault for starting up this business. Both of our vehicles are about to be repossesed and if we can't get rent, not even sure whats going to happen. We went from about $100,000 a yr to pretty much $0.
I am not writing this for sympathy or pity. I just needed to get this off my chest and talk about this. I have to much pride to talk to my family. They don't have the money anyway, but I think I am afraid of the told you so's. Her family trusted me to take care of their daughter and I screw everything up. I am a former Marine for Christ sake. I should be able to deal with this. I have found myself having total breakdowns when I know my wife is not around. We will only be married 1 yr Sept 20th.
I think what is getting us through all this right now is our dogs. We have 2 boxers. Had to put our 3rd one down a couple months ago. At least they bring smiles to our faces everyday.
I am not looking for handouts, just some advice or maybe someone to talk too.
