[Dan in Pasadena]

If you think you're "piss-dirt-poor" then my advice would first be to STOP beating up on yourself and resolve to make smarter money decisions. When you "beat yourself up" mentally...there is no one in there; in your head, to defend you! It's poisonous thinking which leads to, "Oh well, who am I kidding I'll never get a handle on this" kind of defeatist thinking.

Get the HELL outta debt of ANY kind. Don't buy that lease car and don't autocross anymore until your financial condition is radically improved. Personally? (even though I'll get flamed) buy a clean, several years old Toyota or Honda ($3,000-$4,000) and plan on driving it long term to eliminate money expenditures on cars for as long as possible. Lurk here, get your Porsche "fix" vicariously and systematically put every dollar you WOULD have put into that lease payment against your debts, one by one. When you pay one off apply the payments you WERE making on the lease and on that paid off debt to the next one, and on and on. Best of luck. It CAN be done but it is a long road.