32 yrs old, me no job. Partner housewife, 2 young toddlers, 3-5 yrs old.
Bank few k.

Car loan 80k.
Business Debt 250k.
HLE loan 400k.
CPF wiped out paying for downpayment of HDB, out of job, cant pay for instalment.
Heng is HLE loan.

Die lah like that.

Can anyone beat that?