<prompt> Human: The story: Mid 2009, I invested in a venture called One World United headed by a man named Jeff Dyck and spun to me by an investment advisor named Neil Frieson. I took a second mortgage valued at 100k and put it into said venture. We saw returns for a few months before it gradually slowed to a halt and eventually the money stopped showing all together. Fast-foward to 2011, I find out that One World Uniteds offices had dissapeared from the face of the planet. I immediately tried to get into contact with Jeff but I could never get a connection to his private or corporate numbers. I contacted my investment advisor and he broke the news to me that OWU was under CRA inspection for credit fraud or some other stupid reason, I cant remember anymore and was ceasing operation until further notice. Needless to say, OWU never opened its doors again. For the past 3 years Ive been wallowing in my own sorrow. I was drawn in, and fell for the honey-trap of high interest returns and a guaranteed 2 year ROI. Which in hindsight, coming from a financial background, sounds retarded to me as well as the fiscal years wouldnt even be able to clear with that short of a time.3 years later, Ive come to realize that Ill probably never see the money again. Ive contacted the CRA and even attracted the attention of an investigator, but yet the case moves nowhere. Theres dozens of posts online from people like myself who fell for the con, but no one has made any noticeable progress. But heres the real problem: With my income, I can barely make the principle payment on my mortgages and so Im just stagnating my payments. The fact that I will never pay off my property puts a lot of stress on me and constantly irks at me, wondering whats the point of even trying to pay it off? But I love this house, its a quaint bungalow in an educational neighborhood. Perfect location, and the perfect size for my family of two. Ive worked my entire life so that I could buy this house and it would kill me to let it slip from my fingers. But the thought constantly irks at me; what if I lose my job one day? Ive already lost my job multiple times in the past 4 years because of the extreme stress that comes with thinking about this debt topic constantly, losing countless nights of sleep. I like to think its all behind me and that I should just focus on moving forward, but with my situation now, it seems futile. What are my options rpersonalfinance? Is my house really just a deadweight? Assistant: What do you mean you can barely make the principal payment on your mortgages? Mortgages are typically fixed-term installment loans, theyre not like revolving credit where you could theoretically just keep paying interest for the rest of your life and never reduce the principal. If youre making the minimum payments, eventually theyll be paid off. No one can possibly answer your questions without a lot more details. What are the terms of your loans? Whats your income? What are your other debts and monthly expenses? Etc. Human: Ive renewed the interest rate twice since I purchased, the first time at 5 and just a few months ago at 2.9. My income is around the 40k mark. It is not likely I could make more without a CGA. As for my other expenses, property taxes, hydro, gas, and etc add up to around 800month. I know that the mortgage will eventually pay off by making minimum payments, but I dont have 20-30 years of work left in me is what I meant to say. Not to mention, 20 years is a bit of a stretch, no? Interests rates were near historical low when I locked at 2.9 3 years.Assistant: So basically your complaint is that your mortgage, just like almost everyone else in the US, will take you the full 30 years to pay.It sounds to me like you are still wallowing. Human: Im concerned because I dont believe in my ability to pay throughout the 30 years. I have 20 years of work left in me max and retirement without RRSP.At which point I would have to sell the property just to survive.Ill give you credit, I say Ive gotten over the blues but its hard to hide.  <response>: Here are some options.1. Sell your house now and downgrade.2. Make more money.3. Keep going on like you are and end up with very little savings other than your home equity. 