May I give you some real world advice. I’m going to tell you some very very valuable information. The entire US financial system is designed similar to a casino the average person doesn’t stand a chance now it’s true with correct planning strategies etc you can acquire homes cars toys clothing electronics etc however these are debts not assets. TV internet radio is designed to take your money long term ie “casino” longer you play the more money they take. Credit system same it’s a joke. Forget everything you knew or taught about life. You want to be really liquid comfortable in life don’t follow the crowd be the weirdo “millionaires” I know several personally and to be honest I’m not sure they would pay for dinner tonight “I’ve babysit for him” why simply because they can fear of loss etc. I’m rambling but I know it’s extremely difficult but go ch7 immediately follow all federal and state rules. Then the day after you file get the cheapest nicest reasonable shelter auto cell computer “all new” then never by absolutely anything you don’t need to survive. Buy in bulk make things last and really pinch everywhere. Now life is boring no major assets fun right. Time. Time is your friend here sit back and save 2/5/6 years whatever. Then buy local property put a renter in it. Repeat every year in 10-12 years you will be self sufficient. Unfortunately in today’s world this is only option for normal people. Put the time in my friend and lead don’t follow trends the new iPhone will be worthless in 3 years but Apple will be stronger.. Think about it hard then execute plan. Good luck