From the Joke thread, but I think it fits here (sort of):
The American businessman was at the pier of a small South Pacific Island
village when a small proa with just one fisherman docked. Inside the small
proa was a dorrado and several large grouper. The American complimented the Islander on the quality of his fish and asked how long it took to catch them.
The Islander replied, "Only a little while."
The American then asked why didn't he stay out longer and catch more fish?
The Islander said he had enough to support his family's immediate needs.
The American then asked, "But what do you do with the rest of your time?"
The fisherman said, "I sleep late, fish a little, play with my
children, take a late afternoon nap with my wife, Helia, stroll into the
village each evening where I sip rum and play guitar with my
friends, I have a full and busy life."
The American scoffed, "I am a Harvard MBA and could help you. You should spend more time fishing and with the proceeds, buy a bigger boat with the proceeds from the bigger boat you could buy several boats, eventually you would have a fleet of fishing boats. Instead of selling your catch to a middleman you would sell directly to the processor, eventually opening your own cannery. You would control the product, processing and distribution.
You would need to leave this small fishing village and move to Australia, then LA and eventually NYC where you will run your expanding enterprise."
The South Seas fisherman asked, "But, how long will this all take?"
To which the American replied, "15-20 years."
"But what then?"
The American laughed and said that's the best part. "When the time is
right you would announce an IPO and sell your company stock to the public and
become very rich, you would make millions."
"Millions, realy? Then what?"
The American said, "Then you would retire. Move to a small fishing
village where you would sleep late, fish a little, play with your kids,
take a late afternoon nap with your wife, stroll to the village in the evenings here you could sip rum and play your guitar with your friends."
Hoffa - Crappy luck, sorry for your situation, but as someone else pointed out, the first year is the most expensive. I think that you may feel that this was preventable, which makes it hurt worse. Keep plugging away and if you do manage to 'figure it all out' you'll be able to write the perfect "how to live" manual and get rich at the same time! (Now there's a goal!)
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"... the only matter of consequence before me is what I will do with my alloted time. I can remain on shore, paralyzed with fear, or I can raise my sails and dip and soar in the breeze." - Richard Bode, First you have to row a little boat (pg. 94)