Don't worry! It easier than ever to start over.
First, drop the house payment and let the bank deal with the mortgage crisis.
www.youwalkaway.com
Next, drive you and your family over to Nebraska, where you can abandon your children without any legal repercussions.
Now, all you have left is the wife to get rid of and you are basically a college student again.
p.s. Don't worry about the Roth IRA or 401K accounts. Those will liquidate themselves within a few days time.
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