Dear Debt, It’s Been Real

Hey everyone! We have a great dear debt letter from Dr. Joseph Chiweshe. Dr. Chiweshe is finishing his residency as Preventive Medicine Physician with a Master’s in Health Management and Policy. He is Founder and Chief Editor at MedSchoolFinancial.com where he writes with a focus on personal finance, health and the business side of medicine. Connect with him via Twitter @ChiwesheMD

Dear Debt,

It’s been real, but it’s time to move on.

I fully understand that if it weren’t for you that I may not have had the opportunity to travel along the path I’m on thus far.

However, over the years you continually grow and continue to request way more than we ever initially bargained for, and with your compounding interest, I see clearly that the only “interest” you have is in your own well-being.

What’s worse, is you grow without remorse and you would think after reaching a certain point, like the price of what many would consider a very nice home, you would be content but unfortunately that is not the case.

And as if that weren’t enough, the insidious nature in which you slowly took more chairs at the table where I sit and make important decisions for not only me but those I love was definitely never part of the deal, thus it’s time to go.

However, for what it’s worth, there are no wasted experiences in life, so thank you for teaching me lessons in finance, credit, wealth, and the knowledge I have acquired in health.

Thank you for spurring the ingenuity to start MedSchool Financial as a way for me to adhere to my mission of making a positive difference in helping others lead healthier lives with better financial literacy.

In addition, thank you for the opportunity to connect and share with others, like Melanie and the DearDebt community as we all bid you farewell and move on.

Undoubtedly, I know you won’t simply go without a fight. But as we part ways, there is a good quote I would like to leave you that may help you keep perspective: “life is short, even at its longest” and thus as you can see, you are fresh out of time and although it’s been real, it’s time to move on.

Best regards,

Joseph

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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.

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