Dear Debt, This Isn’t Working

Hey everyone! We have a unique dear debt letter from Aaron. Aaron has a love/hate relationship with debt. He’s convinced not all debt is bad, it’s just misunderstood. He writes about personal finance, mortgages, and buying a home at Mortgage Monks. He hopes that by educating themselves, people can learn how to use debt as a tool & avoid becoming trapped by it.

Dear Debt,

This just isn’t working for me anymore.

Look, I know we’ve had some good times. We were inseparable. When I was younger you were always part of the gang – together we were living the life and anything was possible.

For better or for worse, you have always been there for me and I appreciate that. You supported me through school. Without your help I could have never gone to college, and for that I am truly thankful.

But once I finished school and started working our relationship changed. We went to Europe together, but things were different. We both felt it.

The thing is, you have been really needy lately. Every few weeks you nag and nag and nag. You are relentless and I can’t take it. It’s ruining me. Because of you, I’m turning into a workaholic. You’re keeping me from my friends. From doing the things I love.

I’m sorry if this letter seems like it’s coming out of nowhere. But I’m in love with a girl. She’s amazing. I actually think you two could be friends under different circumstances.

Honestly I think she is the one. And there’s just not enough room in my life for both of you. We want to travel the world. We want to buy a house. We even built an Igloo together. I can’t do those things with you lurking in the background.

I know this seems harsh, but I just can’t have you around right now. It’s going to be hard for me, but my friend Earnest is helping me stay strong. I hope you can respect my decision.

I’m not saying this is goodbye forever. I’m fairly certain we are going to cross paths again in the future – I’m just hoping next time we can see each other for what we really are. If we can get to that point I think we can have a healthy, mutually beneficial relationship.

But until that time comes I’m going to have to go ahead without you.

Until then,

Aaron

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Melanie

Melanie Lockert is the founder of the blog and author of the book, Dear Debt. Through her blog, she chronicled her journey out of $81,000 in student loan debt. She is also the co-founder of the Lola Retreat, which helps bold women face their fears, own their dreams and figure out a plan to be in control of their finances. She is passionate about empowering women, helping others get out of debt, and focuses on the intersection of debt and mental health. Every September she organizes a Suicide Prevention Awareness Blog Tour, to help share resources for those struggling with debt and suicide. In addition to her love of personal finance, art and music, she is also a karaoke master and a cat mom to Miles and Thelonious.

Latest posts by Melanie (see all)

• Talking About Money and Mental Health - September 12, 2022
• Dear Debt, We’re Better Apart - June 27, 2022
• Announcing The Mental Health and Wealth Summit - May 4, 2021