I'm better off than most, I guess. I managed to move back home to NZ and work 1 year in 3. Spent the rest of my time catching up with friends and helping mates out to keep me from getting bored, while I found something else to do. No debt outside of credit cards. Not old money, it's been earned. Working again and travelling most weeks. Nothing better than a working holiday. Get paid to work all week and then spend the week-end in nice locations relaxing.