Apollia,
I think our discussion can be summarized by:
I hold the view that though you cannot control all of your circumstances, there are enough things that an able body person can control to shape your future. From my perspective it doesn't seem like it is impossible for you to get out of debt and continue to work on your projects.
Why not work at a job, pay off your debt (which I suspect would make you feel great about yourself) and use your free time to expand your business. Most intelligent people have a low threshold for boredom, because learning is far more interesting than doing. I love to learn and think. I think Steve wrote an article about the value of ideas and the conclusion was that ideas without execution are worth very little. Sure, there are some great awe inspiring ideas that are worth a lot just as ideas themselves, but those are exceedingly rare (once a generation rare).
There are 168 hours in a week, what do you do with your time? I would have no problem sharing with you how I spend my 168 hours, I’ll summarize that I am far less productive than I can be. I use the snooze button, I nap, when I should work, I watch a few too many movies, I don’t read enough, I eat out too often, this list goes on and on and on. But, year over year there is improvement.
I am sure you were the kid who everyone told that you have a lot of potential. I am a very lazy person, but I find that sometimes by forcing yourself to do things you don’t want to, your life improves dramatically. Always keep in mind for ever success story like Steve (who gave it all) there might be 10 people who are broke, destitute, and possibly dead. In life we only see the great successes and not always the failures.
If there is a non-financial way that I can help, I would be glad to. Maybe, I can help you set up a debt repayment plan?
: Full Disclosure: I work in the finance industry, though not in credit card or retail banking.
Good luck to you regardless,
-FountainAtlas
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