my net income is currently around $15,000/yr (cdn) and it's as high or higher than it's ever been.

when you've spent your whole life living with less than $15,000/yr, the numbers required to pay the debt down look astronomical.

like, what do people that make $100,000/yr spend their money on? i presume i'd have to pay some taxes on it, sure. but, at that kind of salary, it'd take me five years to retire.

don't believe me?

$75,000*5 = 375,000.

375,000/15,000 = 25 years.

and, i'm not going to live to 65. my father didn't make it to 60. nor did his.

so, i just can't get my head around this much money. it's not a real sum. whether i have $60,000 in debt or $60,000,000 in debt is pretty much the same thing - it's just a ridiculously large number that i have no chance of even taking a modest dent out of. so, why bother trying?