Trapped in 27%+ means having to use credit cards to cover the never ending emergencies, and, well, our President would do Jimmy Carter proud - means credit is expensive. As far as I can tell, while I have equity, I do have a 15 year HELOAN (around 5%) which was meant to wipe clean the slate when...
My only income is social security and a monthly distribution from an irrevocable trust fund that is set up to be managed by my brother in such a manner that the funds therein a inaccessible to me under any condition so long as he lives to manage it. His duty is simply to distribute a limited...