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Yeah, I know. I had this problem too. I had $40K in credit card debt and $40K in student loans, when I got that offer. I probably should have mentioned that too. Having debt is a huge crushing weight and definitely prevents you from taking the risks needed to capitalize on opportunity given you.

It really did, for me, as well.

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Thanks for that detail. I believe every decision needs to be made in the context of what I know at that time -- and what I decide is the best way to go forward at that time. If I gain new information later, and I can adjust great.

But if it works poorly later on, I dont look at it negatively, because short of having a time-machine it does not help me be a better person. Constantly improving the judgement framework is a good thing, but there is no point regretting a mistake you could not have seen differently.

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