I’m not really pushing him for what direction he is going to take….just acting more like a sounding board.

To walk away from his home would be emotionally crushing. He spent a few yrs renovating it, then HELOC’ed the crap out of it and invested in all kinds of get rich annuities and real estate. Very foolish thing to do. I advised against it at the time…but no one listened to conservitive advise back in 2005.

People might never be able to financially recover from bad decisions. Life is too short.