@LongShot, I believe you mean well.
I'll try to rephrase it.
Stop living in the past.
Your (and other's) whole post is about what "He" should have done, and not done, in the past ... wudda, cudda, shudda.
He knows better than you what he
shudda done. He's is facing the consequences of not doing what he shudda done. He knows how much his salary was. He knows how much he cudda saved up.
He didn't come here and say,
"Hey guys, I don't know what happened to my life, and I hear you all are life experts, so please tell me what I shudda done, thanks!"
He said,
"Hey guys, I'm against the ropes. I'll either make it, or I won't. If I don't, I'll bounce back somehow. But here's my current status ..."
Tell me. What in your post do you think he didn't know immediately prior to reading your post? What makes you think I don't know it as well?
I'm not giving advice about what he shudda done because that's irrelevant; and could be a distraction to a man in his situation.
He can't change the past.
And everyone stating the obvious ... is not a good look.
In life, in chess, in poker, all of your past moves are irrelevant. You can't do anything about them. You play the hand you have, to the best of your ability, period. That's where we're at right now.
Yes, everyone's "Mom" advice is correct. Nothing in my post argued against it, though I appreciate you wanting to explain it all to me. And water is wet.
For whatever reason, he is where he is. If I'm going to be helpful, I'm not going to be lecturing the man about how much better I would have lived his life--and possibly screwing with his mojo--while he's sitting at the poker table, all in, holding only a chip, in a chair.
But that's just me.
I said/say what I did, not in an attempt to
educate you or the other commenters, but to let the OP know that
at least one other person "get's it," "get's the HERE AND NOW," for whatever that's worth.
I'll let you guys get back to preaching to the man, about how well you wudda played his first hand, while he's in his last hand.