I’m asking as a 37 year old woman making 115k in a VHCOL. I fucked up my credit during a really extreme/long depressive episode that resulted from the way covid affected my job (I’m a hospital nurse and was working in a covid floor, it was a very bad time but I am ultimately responsible for my lack of maintainance). It is horrifying but I had never experienced mental illness before and didn’t realize it could make you so apathetic and numb as to screw up your finances the way it led me to completely screw mine.

I am pretty positive I’ll never experience such extreme depression again (parent and bff long deceased and I’m coping, healthy lifestyle with tons of hobbies and friends, generally happy person etc), and I’m thinking of hiring someone to help with my credit (it’s like…pretty bad—under 640 right now). I want to start dating again (leaving a LTR) but I don’t know if my financial fitness will prevent me from being a good partner to another 30something who takes their career and life seriously. Other than my credit I generally do okay as far as having enough to put toward savings every month, having fun money, maintaining a 401k, Roth, and pension, and I am physically attractive and generally well liked. My family has valuable property that I stand to inherit. I have no children, maintain a beautiful home (however it is a rental), and am a gourmet level home cook. I could have been an excellent catch even at 37 if I hadn’t put myself in this hole.

Complicating matters: I do not own property.

So men over 30, what do you think? Should I wait to date until I fix my credit?

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