I'm 41. My youngest brother blew his brains out in July. My other brother has cut himself twice. I quit my job as an EMT because I'm in no mood to transport SI patients. I needed a job on short notice to keep making my mortgage payments, so now I'm breaking my body 50-60 hrs/wk pouring concrete with the Amish. And it doesn't even cover the bills.

I can't afford health insurance, let alone health care. 0 sick days, 0 vacation time, $0 leisure spending. Credit card debt ticks up each month. Retirement savings is a pipe dream. How could I conscionably attempt a family under these conditions? I'd never have time to be a part of it and would be plagued by the guilt of not being able to provide.

But hey, I'm told to feel lucky I managed to lock in a 30-year mortgage at 5.99%: If I'm diligent paying on it until I've got a foot in the grave, selling the house might pay for end-of-life care!