<prompt> Human: I am going through a stressful time financially for the first time in my life, and am hoping to get some advice and an outside perspective. I have always been financially responsible and have never been in debt until now.Last year I had a credit score over 800 and zero debt. About 30,000 saved in a Roth IRA, and was living at my parents house while saving money for a house hopefully in a few years.A business opportunity came up, and a friend and I decided to take a risk and go forward with it. We left our jobs and started the business. It has been going pretty decent in just under a year. We are surviving, but have amassed a big credit card debt. We have been paying off the debt as our business grows.However, due to personal issues between us, the future is not looking so good, and I want to have a contingency plan for the worst case scenario and make sure I am financially prepared in case we close the business and go our separate ways, which is a big possibility at this point.The business is an LLC 2-member, 50 each. However, on our credit cards I am the guarantor I know this was dumb on my part, looking backI have 19,000 credit card debt on my personal credit cards I balance transferred from our business cards to my personal because of 0 balance transfer interest. Only one card is getting interest each month.And on our business credit cards we have a debt of about 30,000, and only one card gets monthly interest.Carrying these card balances has obviously hurt my credit score, which went from over 800 to the high 600s, because of card utilization. And I hate the idea of owing so much. I do think I will be able to make the minimum payments in a worst case scenario, and have a job I can get hired at with good pay if we close the business. My parents are OK with me moving back to their place for as long as I need to recover, and I am pretty good about being frugal when needed. I also trust my partner to help pay off the credit cards debts even if we part ways on bad terms.I guess I just need some advice. Should I suck it up and try to mend things between us and make this business work? The business has a ton of potential and it is growing faster than we expected. But on some days I just want out, and things get so bad between us that I just want him out of my life and finances dont seem like a priority. I guess its true that you shouldnt get into a business with a friend. Lesson learned too lateOr should I start planning on selling some of our assets and see how much of the debt I can pay off. The business credit cards dont show up on my personal credit reports, but it will still mess up my credit if it goes into bad standing since I am the guarantor, right?Should I consider consolidating all the debt into one place? Another issue is that I havent yet maxed out my Roth IRA contribution for 2017, since the business has been my main focus. Should I make that a priority?Thanks for reading, and I would appreciate any advice.Assistant: In all honestly we need more details, or rather I do, to give my two cents. How long have you guys been friends? What are the argumentspersonal issues you have on hand? How well has the business been doing and would you bet 50k that itll take off?Human: Been friends for about 10 years, but mostly knew each other through our last job as coworkers. We moved in together when we started the business, figuring it would help with the business, but I guess being with someone 247 isnt a good idea. Its mostly been small arguments we have been having. For example, I dont like that he drinks so much and stays up too late, then arrives late to work, forgets conversations weve had about business. Also a few months ago he was pretty upset with me because I misunderstood our credit card agreement and we owed a big chunk of money by the end of the month. We pulled through but he was pretty upset with me for the mistake. In general we have just had attitude towards each other, and the workplace is a toxic work environment because of it. I know it sounds petty and I should suck it up, but it takes a toll, its just a bad environment.The business has been going good, maybe even TOO good too fast, which is contributing to the personal issues we are having. Its grown faster than we expected. It has caused us both stress and I guess we are taking it out on each other. Sometimes it feels I am in over my head. I am in charge of the administrative side of things, and learning on the fly has been tough. Things like filing the proper paperwork for payroll, state and federal taxes, legal compliance, etc. is taking a toll. As well as feeling like I am working 247.  <response>: Move out 