you are earning 100k and you are in debt?
i believe you but seriously... i am abit shocked, because i'm earning only 3k and aged 34 somemore and i have about $175k.
i'm not saying that to scorn or what, but i just thought... just 2 years of savings (including bonuses), u would have saved more than me in 15 years!
but i guess you must have enjoyed your life to the fullest when you were younger. i didn't. so, take a brighter side of life...
at least you have a car and an exe flat. I'm only living in a 4 rm.