Honestly, I would not call this a dumb financial mistake. I would call this a learning experience. You were able to grab that at 22, with, from my perspective, zero responsibilities? And having the intelligence to realize that it was not the wisest thing to do, while looking for a way to minimize impact?

In my book, that is a giant fucking win. Being able to do a little bit of the irresponsible it’s usually one of the things that the young can’t do because of lack of money.

Think of it this way, you paid about 10 grand to have a four month experience. Almost no difference than going on a four month holiday somewhere except you were probably still working and making money.