Originally posted by BlackDiamond
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it's like going to the doctor and saying: "Doc, I need some advice. I want to stop coughing, but I won't give up my cigarettes."
Doc: "Well I can give you a cough suppressant, but you'll likely start coughing again if you don't quit smoking. Plus if you quit smoking, you'd stop coughing a lot faster than with just the medicine alone - which may not even work. Smoking has all sorts of other bad effects on your health."
"The cigarrettes aren't my problem doc, the coughing is. I just want it gone"
Doc: "If you weren't smoking, your cough would already be gone."
It's much easier to see when someone is addicted to cigarettes as opposed to being addicted to a house they can't really afford.
If the OP didn't have this house, his debt would already be gone. It should have only taken 3-4 years, but instead - he's still got the same debt after 10 years.
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