<prompt> Human: Hi all, Im on the horns of a dilemma, and am asking this question of frugal, financialindependence, and personal finance. I will then combine all perspectives to make my final decision. Below, Ive laid out my personal details, budget, debts, assets, and 8 possible options on how I can move forward. Personal Details Location: suburb of Seattle 50 minutes away by public transit, so can sleep on the public transit. Me: Single 49 year old male no kids, with a fair amount of IT skills, should be easy to get another job as I look young - appear to be about 37-39. Currently unemployed as I moved to another city to be near my now ex-girlfriend, and then moved back. I rented a room when I moved to that city, so I appear as if Ive never left my house. Budget: Mortgage: 1250 month . Unlimited Cricket phone 65month Food: 200 month - just got a hotpot, so am eager to lower this bill. Gym: 21 month Netflix: 15 month MoviePass: 99 year. about 10 month Coffee: 300 month. This will be 10 month as Ive just discovered the joy of French Press...so good! I will confess my ex-girlfriend loved going to very expensive restaurants paid by me. I dont plan on dating until my financial situation is under control - or I find someone whos willing to split dating expenses. Assets: House is valued at approximately 270,000 - I owe 155,000 on it. So, after selling would have about 100,000 had house since 2004, and have been living in it the entire time, but need to pay realtors. No 401K cashed out when I was an alcoholic - fully sober for over a year now or retirement savings. Yep...way behind where I should be financially, but just counting my blessings on no longer drinking. Car is a 2012 Prius, fully paid for. Value about 8000. Credit Score: 626 - it was 780 before I started racking up the below debt. Im at 10037; on all payments now, so if that debt was paid off, Id be anywhere from 790 to 810 I was at 780 with a 9737; on-time payment rate. I used pf to raise it to 780 from 580 thank you!. Debt - the following debt was incurred to fix up my house and cover day to day living. I am doing all the work myself, so have saved a lot of money with that, but materials cost money. Total Debt: 56,082.37, if not including school debt or parental debt. 71,082.37, if not including parental debt, but including school debt. 101,082.37, if including all debt. Debt Details: Mortgage: 155,000 left, 1250 month Assorted credit cards - 26,082.37 debt incurred. Total Credit Limit 52,300. Personal loans through Marcus and Prosper: 15,000 each or 30,000 total. IRS: have not paid taxes for a few years - I owe 10,000 for the first year of those years. Due to the alcoholism,and being wayyy under-employed, the government most likely owes me money for the years after that. So, 10,000 to the IRS minimum, maybe 12,000 maximum. Parental Units - owed 30,000. They are comfortably retired, so there is no pressing need to pay them off immediately - but I WILL pay them off no matter what happens. School Loans: 15,000. I know - I should have paid them off when I had the money. Wildcard IASIP:My house is on a huge lot. I have a tiny house on it that I can move to the far part of the property, and live in it legally while renting out my house. The house would rent out for 1600-1700. So, everything would be covered including food. Zero bills as long as Im frugal. Potential Jobs:Should be able to get a job anywhere from 45,000 to 55,00 minimum. I am evaluating possibly hitting a code academy, but at 49, not sure if that would be a good thing to do. Im good at coding though, and learn very quickly. Still researching it... Potential places to move to:Outdoor activities on the weekend are very important to me, as it keeps me out of bars. If I stay where Im at, biking around Seattle, surfing in Westport, or stand-up paddleboarding on lakes near Seattle. In Portland which Im in love with, biking around Portland, wind-surfing on the Gorge, and surfing at Ecola Beach. Variables: Interest rates are moving up, and housing prices might crash. I bought my house in 2004, and watched my houses value crater in 20082009. Very sensitive to this. Self-driving cars might cause housing values in near suburbs to crash - why pay more for 1 hour away, when you can live 2 hours away and pay 14 less? On the other hand, the massive loss of driving jobs might cause a necessary implementation of UBI Univeral Basic Income, so being a landlord might be advantageous. Which option do you recommend? I know which one Im leaning towards, but am very eager to hear your opinionrecommendation. Option 1: Dont sell. Rent out the house and tiny house it up. Get a job and use the lack of mortgage to pay off all debts - probably take 34 years to get them all paid off. Getting two jobs is not really an option due to the commute. Option 2: Dont sell. Rent out the house and tiny house it up. Declare bankruptcy, using Washingtons bankruptcy wildcard housing exception of 125,00 to shield house and car. Due to the recent upsurgepossible continued upsurge in value of the house, might lose the car. While I would hate to lose the car, I can get by with a bicycle if needed. Note: Im very good at building up my credit score thanks to pf. I believe I could be back to 700s within 2 years. Option 3: Dont sell. Dont sell, bring in roommates to cover all but 200 in the mortgage, and split all utilities. Declare bankruptcy, using the housing exception, etc. Option 4: Sell. Use the 100,00 profit from the house to pay off all debts, except for parental debt, leaving 30,000 to live on while moving to Portland. I am very comfortable living out of a car using 24 hour fitness storage locker, etc to keep expenses low until I get a job. Pay off parents after getting a job. Option 5: Sell. Use the 100,000 profit to pay off all debts, except for parental and school debt, leaving about 44,000 to live on while moving to Portland. live out of the car..etc. Option 6: Sell. Pay off all debts, including parents. Live on the street in Portland making use of 24 hour fitness, storage locker, etc. Use credit cards to pay for food, until I get a job. Option 7: Sell. Use the 100,00 to live off, and dont pay off the debts, but pay them off incrementally until I get a job. Move into an apartment right away. Option 8 ?Thank you very much for your help on this!  <response>: Im also a 49 year old single male, who works in IT, has been sober for a while and owns a 2012 Prius - so your post felt like me posting from an alternate reality.So, what I would do if I was in your very familiar shoes would be: Sell the home - homes are expensive and whats the point of equity if you have debts with high interest rates Rent a room - once again, your home is your biggest expense Create a budget, dont just track expenses - no one should spend 300month on coffee Resolve your tax situation - this debt will follow you and make finding a job difficult Dont move, moving costs money, especially moving to another large expensive coastal city Find a support group - I dont got to AA, but youre only a year into sobriety and people there may have real life experience with your financial problems Youre paying 15 a month for Netflix. Is that unlimited UHD streaming with Blu-Ray rentals? Downgrade. 