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Haven't done an hour of work since last August. Living off the proceeds of the sale of my business and starting to take early withdrawals out of my Roth IRA to pay off debts. Trying to work my way up to flat broke. At least my house is worth a lot more now, but I can't tap it without any income.

I got $25K last June. My world was disintegrating around me so it was gone in days. I think I'm supposed to start paying it back sometime soon. It will be something like $130 per month for 30 years.

My bank screwed me out of getting the PPP loan, but I did get a $25K SBA loan. 3.25% and 25 years to pay it back, with the first payment not due for 12 months. So starting next year I will pay $133 per month for the rest of my life.