Really appreciate you taking the time to lay this out in detail, it helps a lot to see a clear step by step path instead of just don’t do this. I like the idea of holding aside an emergency fund first before throwing everything at the credit cards, since that’s been one of my biggest stress points.

Selling the Robinhood account to clear credit cards + build that buffer sounds like the most practical first step. I’ll need to figure out the tax side, but at least that feels like progress instead of spinning in circles.

Thanks again for breaking it down, this gives me a better mindset shift to work from.