As much as I hate Al admit it , I have dubbed my wife and I into a financial hole, I am 78 yrs old and by now I had hoped to be able to relax and visit our grand children and great grand children but my ignorance toook the better of me, I have a mortgage , over $69,000 in debt and woe the IRS , and cannot find a job . I am willing to work but I don’t know where to start . I just needed to vent , not asking for anything , sorry for the slump !