u/countryroyale

I unfortunately had a very serious psychotic episode which resulted in me losing my job. I was unemployed for a long time as well but have recently recovered and am working again. I spent a lot of money while I was sick. $5k for trashing a hotel because I thought people were trying to burn the hotel down. $5k for towing charges because I kept running out of gas and getting stuck driving in places I shouldn't have been. $8k deductible for involuntary hospitalizations. $4k for an attorney because I got arrested for trespassing while I was sick. Stuff like that.

Age: 40

Salary: $149k

Monthly Take Home Pay: $8500

CC Debt: $70k

Mortgage: $4650

Car Payment: $600

I live alone

No kids

I haven't looked into it yet but I'm contemplating contacting a bankruptcy attorney soon to see if that is an option for me. Moving isn't a great option as I bought my house April of 2022 and the house is maybe worth a little more than what I owe. So I would owe the bank a check if I sold, if you account for realtor fees. I guess I could consider a short sale. I do know the house isn't helping my situation. Any thoughts or advice is appreciated.

I unfortunately had a very serious psychotic episode which resulted in me losing my job. I was unemployed for a long time as well but have recently recovered and am working again. I spent a lot of money while I was sick. $5k for trashing a hotel because I thought people were trying to burn the hotel down. $5k for towing charges because I kept running out of gas and getting stuck driving in places I shouldn't have been. $8k deductible for involuntary hospitalizations. $4k for an attorney because I got arrested for trespassing while I was sick. Stuff like that.

Age: 40

Salary: $149k

Monthly Take Home Pay: $8500

CC Debt: $70k

Mortgage: $4650

Car Payment: $600

I live alone

No kids

I haven't looked into it yet but I'm contemplating contacting a bankruptcy attorney soon to see if that is an option for me. Moving isn't a great option as I bought my house April of 2022 and the house is maybe worth a little more than what I owe. So I would owe the bank a check if I sold, if you account for realtor fees. I guess I could consider a short sale. I do know the house isn't helping my situation. Any thoughts or advice is appreciated.

I unfortunately had a very serious psychotic episode which resulted in me losing my job. I was unemployed for a long time as well but have recently recovered and am working again.

Age: 40

Salary: $149k

Monthly Take Home Pay: $8500

CC Debt: $70k

Mortgage: $4650

Car Payment: $600

I live alone

No kids

I haven't looked into it yet but I'm contemplating contacting a bankruptcy attorney soon to see if that is an option for me. Moving isn't a great option as I bought my house April of 2022 and the house is maybe worth a little more than what I owe. So I would owe the bank a check if I sold, if you account for realtor fees. I guess I could consider a short sale. I do know the house isn't helping my situation. Any thoughts or advice is appreciated.

Edit: Just to give some perspective. I spent a lot of money while I was sick. $5k for trashing a hotel room because I thought people were trying to burn the hotel down. $5k for towing charges because I kept running out of gas and getting stuck driving in places I shouldn't have been. $8k deductible for involuntary hospitalizations. $4k for an attorney because I got arrested for trespassing while I was sick. Shit like that.

I recently started a role as a construction manager with a water and sanitation district. One of the main projects is a new wastewater treatment plant

When I was hired, the project was set up as a progressive design-build. After I started, I was told the contractor couldn’t meet the budget, and the plan is now to shift to a multi-prime delivery approach

I’m trying to better understand this decision and whether I’m missing something

For context:

- This is a new wastewater treatment plant (not a simple expansion)

- The approach seems to involve multiple general contractors handling different scopes, with electrical and I&C as separate contracts

- The stated goal is to reduce overhead/markup and bring costs down

My concern is that wastewater plants are highly integrated systems (process, mechanical, electrical, controls), and breaking the work into multiple primes seems like it could introduce significant coordination risk, especially around interfaces, sequencing, and commissioning

It seems like any savings from reduced markup could be offset by increased coordination and interface risk, but I’d like to hear from people who’ve seen it done successfully

I have a few years of experience working for a contractor on similar facilities, so I have a general sense of the complexity but I haven’t worked on a multi-prime project before

I’m trying to understand:

- In what situations does multi-prime actually make sense for projects like this?

- Are there examples where this has worked well for treatment plants?

- What are the biggest risks (coordination, claims, schedule, commissioning, etc.)?

- What kind of owner/CM structure is needed to make this successful?

Appreciate any insight, especially from people who’ve been on either side of this type of delivery