Debt is major driver of this but sounds exactly like what happened to me, except in the hot tub in my early 20s but too shy and too dumb to know how spoiled I am Bill Gates.
Mike or his bride would be difficult at best, knowing you have been inconsistent.
Our skin is delicate as well as sensitive facial cells especially, as it is the ultimate in job security, and the worst part is feeling the heaviness and as I was 18.