I feel your pain brotha. I'm not doing all that great financially either. I got laid off from the oil field... I was making killa money too. I'm in my mid-20's and I was making right around 60k/yearly. I bought an extra car (04 BMW M3 E36 Coupe 6spd manual with a single turbo inline 6cyl. That car was my toy.. and a quick toy at that). I also had bought a brand fucking new four-wheeler right off the showroom floor... both of my toys got repo'D.
I had excellent credit too... but now that I have two repo's on my name.. my credit dropped to the low 600's.
Not to mention just the mental anguish I have.. let alone the repo's I have now because of the economy....
I have a savings account that my grandmother left for my brother and I.. it's a joint account between me and my brother. There's exactly $250,000.00 in the account.. but half of it is my brothers money.. as it said in my grandma's 'Will' that the money was to be split 50/50 between the two of us.
But.. i know myself too well.. and if I were to start getting money out of there.. out of my half.. I would be flat out BROKE (Poor) within 6 months. lol... so yeah its' better for me to just leave it in there for big emergencies.
Good luck to ya though dude. Have fun.
Happy holiday's to everyone!
Peace.