35-Year-Old in MASSIVE DEBT living with his Mom ｜ Self Financial Audit

He cleared credit-card debt after four months of near-daily Amazon Flex, repaying borrowing from an expensive Japan trip and £4,000 car deposit. He still owes Mum £7,782, largely tied to £17,000–£18,000 tax liabilities, plus about £8,000 car finance costing £350 monthly. He plans to hold £5,700 in stocks/crypto until March–April, hoping for £6,000–£7,000, then repay Mum with YouTube income.

Debt progress coexists with delivery burnout, car regret, and rejection of future borrowing.