<prompt> Human: EDIT: Thanks to everyone who responded. It means the world to me and makes me feel a lot less alone in this than I have. Ive decided to hold on the raise401k talk but I am going to bring up two things. 1. The healthcare. This has been promised for months and I need to ask him again and if he said no ask him how I can help and if I can get some transparency into whats going on. To follow that up, I am going to offer my help at helping to run operations. Ive done it before it was partially why they brought me in because they are a mess right now and the dysfunction of them is the prime cause of dissatisfaction in the workplace. Im not going to be threatening, but merely helpful and suggestive to let him know Im all in to help. If his reaction is great, Ill see how it goes while still looking. If its no, I have it handled than Im going to be cooking on all four burners getting out. I really appreciate everyones kind words and encouragement, its the first Ive had in a long, long time. Oh...and to the people that left me shitty DMs or responses. I wish you well. Youve obviously got some shit to sort out thats even worse than me, so thanks for the perspective that maybe I dont have it all that bad. ___First, sorry for the length but theres a lot to tell as its messy and complicated financially. Im 34 and about to get a divorce after 4 years of marriage. Before I met her I had zero debt. During those 4 years, through a series of circumstances some mine, some hers - Ill do my best to avoid relationship blaming here and Ive racked up over 100k in debt.One pro is Ive never missed a payment in about 14 or so years that Ive had my cards, and even with all that debt somehow my credit score is at 620-640 depending on who you go with.During our entire marriage, my soon to be ex was making much more money than me, but we still split all payments 5050 on price, which wasnt truly 5050 considering the income disparity between us of about 50k a year. There are also other issues there that would take too long to go into, but essentially it took me a while to realize she was really good at manipulating me into paying for things even when I made it clear I couldnt afford it. While she would definitely pay for things, they were for the most part things that benefitted her directly or that she could hold the most equity in i.e. paying the majority of our condo.My current income in 115k a year in a city in the Midwest. I moved from a more expensive city where I had been making 140k plus a 30k bonus before the company ran into problems and laid off a bunch of people. When I agreed to join my current company, I asked about raises and bonuses and they said no bonuses, but that at my year mark they would work with me on a cost of living raise and that I would have my health insurance within a few months, and theyd be setting up a 401k at the same time. I have this in email except the 401k part so I could use it as contract proof possibly, but they phrased it a bit vaguely and Im kicking myself over not getting it in more foreceful language. Ive been there now for almost two years, and I still dont have either healthcare or a 401k, and when Ive mentioned the cost of living raise I was told that theyd have to wait until the company was doing better company has been struggling lately due to some huge mismanagement decisions which I sympathize with, but it still impacts my life without it being my fault at all. In addition, any target goals we non founder employeees meet only deliver bonuses to the two company founders which I just recently fdiscovered and wasnt happy about. Im having a talk with my boss on Tuesday and asking for real transparency and serious answers, about not only if I will be getting the constantly promised healthcare and 401k, and if I would get my raise within the next month or two. Im also going to ask him to be honest about what the company finances really look like. I was told about a potentially large cash infusion to the business, but I also dont know how likely or true that is based off so many false promies. If it is true, I need to know if any of that will be used to compensate the employees that stuck out the storm many left, but I stayed as I had moved my wife and I across country for this job. Im also going to inquire about the other promise I received of being able to hire a team. I havent been able to hire any full time help and its led to me being terribly overworked.If I were to leave it would be incredibly damaging to the business as I single-handedly run my department and manage about 10-12 channels at all times basically alone. What makes just leaving hard is that I cant accurately show the gains Ive provided due to the management missteps clouding everything. Things like haivng no inventory last year for almost 5 months, and for another 4 we had 15th of what we should have with no backup manufacturer lined up and a very well what can we do attitude from up above. Ive also been unable to show unrefutable data of my impact as they dragged their feet on setting up proper analytics, and then botched it badly when they did and are still slowly fixing it. This has led to me having to reconcile everything painstakingly while also having to explain how the attribution was botched and why I should get the credit for the sale and not X. Its incredibly frustrating.As much as Id love to just walk out the door, I cant afford to miss a single paycheck. Im pretty much down to fumes in my account before each payday. I work another consulting gig which brings in money, but its inconsistent and can range from 300 a month to 1500 a month. Ive considered taking on another job, but I already work so much I only sleep maybe 4-6 hours a night. My total outstanding debt is 112,468.08, but I have a total credit limit of 212,800 because I had opened a few other cards then just locked them away and have never, ever touched them except to make one or two purchases and payments a year. Theyre old though, so I cant transfer to them for 0 and with my debt I cant open any cards to do a transfer that would matter. After the divorce, Ill have to get an apartment looking now and Ive always been a model renter, never late on payments and with glowing reviews. Im worried though if I claim bankruptcy too soon that I wont be able to get an apartment, or that I may get kicked out after. If I could even just get a 10k raise a year which I still feel under values me then I could start making a dent, but it would still take forever. I could move, but all the other options are either in places that pay way less or cost way more to live. Currently while looking for a new job, I havent found any openings that match my skill set or that want pay over 100k in my city.So, Im pretty screwed and stuck here. Im going to talk with my family about it, but they dont have much and wont be able to do a lot. With the divorce Ill be able to actually tighten my belt and stop spending on crap I shouldnt have to bear the sole cost of and will get back some money as well. But still, thats probably only going to be 20-25k as thats what Ive paid into the mortgage and fixing it up. All the rest that she had me buy with the promise to take it off your side of the mortgage but of course this never happened. So what I spent the most on I wont get any money for. Things like the couch, TV, etc., but at least I own it and can keep it or sell it. Any advice here? Is getting a consolidation loan for a portion the way to go? Who is best for that? Do I start this now or do I wait until after my divorce is finalized and I have an apartment? Do I press hard for a raise and benefits knowing that if they lost me it would tank the ship, or do I lay back, collect a check, and get out even if the job pays less but has benefits? Do I move to a more expensive city but also one where my paycheck goes up considerably? Theres a ton to consider and Im totally lost right now. Im all in though on getting this done and paying this off as fast as I can and changing my life now that I am about to be free. Anyone that can help, I owe you what little money I have. Thanks and happy to fill in more details on PMs like APRs etc if needed and if you got this far, congratulations.  <response>: Im having a talk with my boss on Tuesday and asking for real transparency and serious answersI dont see this being useful unless you trust your boss. The rest of your post makes it sound like you dont trust your boss.Theres no reason for your employer to tell you bad news. So whats the point. Get a job offer or at the very least an estimation of your worth before this meeting. Otherwise this meeting will consist of good news, or no news and no guarantees if its true or not. 