Money Management : Paying Off to Move Ahead

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Back to home » HIV 101 » POZ Focus » Money Management

Table of Contents

July 30, 2009

Big Top

Financial Planning

Disability Decisions

Paying Off to Move Ahead

Affordable Care

Pharma to the Fore

What You're Talking About
Losing Hope (blog) (20 comments)

You Can't Hurry Love (14 comments)

I Watched Charlie Sheen on The Dr. Oz Show So You Don't Have To (blog) (14 comments)

Charlie Sheen S&%ts On 30 Years of AIDS Activism (blog) (13 comments)

Remember Their Names: World AIDS Day 2015 (blog) (12 comments)

Prudential to Offer Individual Life Insurance to People With HIV (7 comments)
Most Popular Lessons

The HIV Life Cycle


Herpes Simplex Virus

Syphilis & Neurosyphilis

Treatments for Opportunistic Infections (OIs)

What is AIDS & HIV?

Hepatitis & HIV


Paying Off to Move Ahead

River Huston, 49, never thought she’d live long enough to face the realities of her mounting debt, let alone the need for retirement savings. Speaking with POZ’s Kellee Terrell, Huston looks to her financial future.

Two years after learning I was HIV positive, I was diagnosed with a rare bone marrow condition and was on and off treatment for almost 13 years.

Dying at any time was a reality, and I lived my life accordingly. I accumulated 42 credit cards, bought a house out of my range, bought an expensive car and tons of stuff, all while paying for my health insurance and HIV meds without help.

Six months ago, I was cured of my bone marrow condition, which was great, but then reality hit me and I fell into a deep depression. I had to face this enormous pile of debt—$70,000 and 30-plus years of paying off a mortgage. My husband and I had to start getting creative. We have cut back on our expenses and have discussed the possibility of selling our house. I called the credit card companies and had them lower the interest rates to help me pay my balances down.

Honestly, I cannot save for the future with a debt this large so we are going to pay it off first. The reality is, I’m going to be working until the day I die.

Search: River Huston, retirement, savings

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