I think you're thinking clearly, Dexter. I agree that you shouldn't wait until foreclosure. My opinion is that selling your house is the responsible thing to do if you have gone through your finances and realize that your income can't support your liabilities.

It's not like you couldn't make a new nest in a rental. You can -- and who knows what new opportunities await you if you decide to do that. Maybe you'll have some cool new neighbors. Maybe even someone to date! Maybe a mentor... who knows?

Stay responsible, Dexter. I have tons of faith in you.