Have you ever taken a step back and looked at the direction of your life and wondered how you got on the road you are traveling? I made a series of bad financial decisions and have been paying the consequences for those decisions ever since. I think I've babbled about this in past months, but it's true. I take responsibility for making those decisions and just wish I knew how to make things better now. There are so many thoughts and ideas running through my brain, all claiming to be the answer, but there are so many of them... I know, I'll make a list (another one anyway) and go through the pro's and con's of each idea and wind up doing nothing because I've spent so much time analyzing every detail.