June 11, 2014

Dear Debt,

I remember thinking that we would never be together. You were a dangerous, older man, and I was a young, naive female. At 17, I heard rumors about you; you were wild, naughty, and had been around the block a few times.

I wanted to stay far away from you but I was having a pretty hard time on my own, and you were there to pick me up. You seduced me and made me feel powerful. I thought that being in your arms everything would be alright. You gave me a false sense of safety.

I knew you had been with many women before me — it bothered me at first, but I chose to ignore it. I thought I was so hot being with an older man like you. Now, after all the damage, I feel like an idiot.

I was your young pretty thing, your fool. I should’ve known better. I believed every word you said about how you could make my life better. My youth is spent on you, and I’m trying to get those years and that money back.

I am cleaning up the havoc you caused. I have had a hard time trusting myself and my decisions. Our chemistry was a recipe for bad decisions. I’ve heard through friends that you are still making the rounds, seducing young women, and after you’ve done your damage you are nowhere to be found.

It’s hard to think that our relationship was all built on lies. Perhaps it was only the lies we tell ourselves? I understand now that people tried to warn me about you. I wanted to see the best in you.

But I’ve learned my lesson.




Melanie is a freelance writer currently living in Portland, Oregon. She is passionate about education, financial literacy, and empowering people to take control of their finances. She writes about breaking up with debt, freelancing, and side hustle adventures at DearDebt.com.

Currently she puts more than 50% of her income towards debt, while living a frugal, fun life. In addition to her love of personal finance, art and music, she is also a karaoke master. Follow the adventure @DearDebtBlog.

Latest posts by Melanie (see all)

15 responses to “Cradle Robber”

  1. Melanie, this is my first Dear Debt letter that I’ve read and I love it! I can tell you’re a great writer, and I really enjoyed reading this.
    Natalie @ Financegirl recently posted…10 Ways To Survive Wedding Season Without Going BrokeMy Profile

  2. Wow! What an interesting perspective on your debt. Thanks for sharing with us Melanie.
    Kayla @ Shoeaholicnomore recently posted…Guest Post: Playing Debt GamesMy Profile

  3. Great post! I agree really good writing, it gripped me.
    Debt Busting Chick recently posted…Still Living With Parent in Your TwentiesMy Profile

  4. Layla says:

    Love this post. It instantly caught my attention whilst browsing through bloglovin. I had to click to read it all and share.
    Layla recently posted…Weekly Roundup W/E 8 JuneMy Profile

  5. Mackenzie says:

    Eloquent as usual, Melanie! Bravo! 🙂
    Mackenzie recently posted…Life, Lemonade, and UpdatesMy Profile

  6. The letter feels like I wrote it myself! There are the exact words I’d be telling debt if I was writing it a letter. Yes, time to clean my financial act and be free of debts. It’s a long way but begin I must!
    Jen @Sprout Wealth recently posted…Don’t Make these Investing Mistakes Like I DidMy Profile

  7. I wish we were able to keep debt away from the young- ins!
    Stefanie @ The Broke and Beautiful Life recently posted…Addicted to Travel: Maximizing Freedom From ObligationsMy Profile

  8. Michelle says:

    This was a great post. I loved reading it!
    Michelle recently posted…What If I Fail?: How to Beat the Fear of FailureMy Profile

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