In a nutshell, the situation I described in Paying for Past Mistakes, Part I goes: Ten years ago I indulged in things I couldn't afford and put myself in debt. Over the past couple of years I started to consider leaving Rob, but that old, crippling debt has kept me dependent on him for security I can't afford alone. This past year I've worked my @$$ off to pay off my credit card debt and put a bit of savings away. I'm on the cusp of affording independence.

Sounds great, but not so fast. Moving away from Rob will suck up that savings in one fell swoop: the dreaded "first, last, and security." And we're talking Boston rent. It's not as high as in New York, but it's certainly inflated and nearly impossible to afford.

Even with roommates I'd be living on a budget that allows no room for error. Faced with a medical bill or emergency, I'd have to use credit. And I wouldn't have the income to pay it back immediately.

You see where this is going? By leaving, I'll put myself right back in the same boat I was for the last 10 years: in debt with no savings. And this time with no safety net either, as there will be no Rob to bail me out.

I guess the solution is clear: wait. I should wait until I have enough savings to cover the move with enough left over to serve as a safety net. But — sheesh — that will keep me here another year!

Patience. Sit tight. Right?