Overview

If your financial situation is making your head swim, it's time to bring in a professional. Consider talking to a financial advisor or an accountant to gain insight on what you're going through right now. This is probably less about saving and more about wiser investing. You might be focusing on solving the wrong problem. It's wise to get objective, third-party advice right now. Friends who want to help don't truly understand the situation. (Plus, friends and finances are not a good combination.)