You needed the “professional help” last year, before you bought into a hellhole.
As long as you’re working, it’s great, but if you get laid off because of the federal reserve, you could lose all your equity so it probably would be wise to unwind if you don’t take a big. But then again, where are you going to move to. If you’re paying rent, it’s probably worse than paying your house payment.
Some people are destined to make bad financial decisions and ultimately live in poverty.
The humane thing to do is stay out of their way!
This same type of couple are buying up everything and still making the same money working remote. One of the worst parts of the pandemic was remote work.