<prompt> Human: Like the title said, 52 years old. I made 36000 last year. Im divorced. I have two teenage sons. I have a 744 mortgage payment and I owe on my credit card 15,000. my ex-wife got sick a year and a half ago and I gave her about 13,000 so she could get the medical attention she needed. I need help and I dont know what to do.  <response>: Dude, what help do you need? A good starting point is a budget. If you want help maybe start with a simple budget - heres a recent post with info: 