>>60821754
Anon, we are the creators of our own future. You need to find a way to make more money and begin planning your future.

For the lumbar disc, check out McGill Big 3. Eat a good diet and get plenty of sleep. Take a vitamin and a vitamin D tablet each day.

That debt amount isn't really that bad, I know people with $100k in credit cards bro. You'll be okay, just take a breather and plan.