Merry Christmas, Dad!

This year has been a time of unwinding the anxiety, stress, and depression that has consumed my mind for a very long time. I am not only thankful for removing the intense burden of the high-interest credit card balances but also showing me how to budget. It’s something, obviously, that I struggled with for more than 10 years.

You were able to slowly see the unraveling by trying to manage the tax implications of my debt forgiveness the past couple years. It was my way of attempting to control the insanely debilitating interest accruals. But I know those were only a tiny band aid.

The true problem was the instant gratification of spending. Being able to make others and myself happy with experiences or material possessions, no matter the cost or ability to pay back quickly.

Michael is still in control of my checking and savings accounts, keeping an eye on how much and how often I am spending.

The savings account is over $3000! That will cover the total balance of city taxes in February with some left over. I will continue to have $500 from each paycheck deposited out of sight to keep the momentum for the school taxes in October. And eventually, by the end of next year, the extra balance of $7000 for an emergency savings of six months expenses.

By then, I should be able to start paying Mom and you back. I was humbled when you told me Uncle Mike as well as yourself had to ask your own parents for help. It truly is easy to get trapped into the debt labyrinth and a widely shared human condition in capitalism.

I truly am sorry that my mind spiraled to a dark place this year. But I am entirely and fully confident that with therapy, medication, meditation, sobriety, and financial accountability, that I will become the best son that you always knew I was!

I know I will stumble but I will have the tools and mindfulness in place to be able to ask for help. I love you, Dad! 💕