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Niagara Falls -- -- belly is calling.
I -- welcome to the Dave Ramsey show how can I help this -- I gave it so I -- they thought he look to you Tony.
Thank you I am over the road truck driver and I caught in our satellite radio copier -- -- the -- and you've been with me ever since the on IE.
And taking your advice on if you think I changed my life insurance from universal -- curtain go to the -- ID -- I would outage yet.
Good I had I had like 4800 dollars to pay on your house.
No credit card no longer had a little American keep on going and I change my health insurance that HS tape of them and that one backfired on the yes -- I was involved -- I'll motorcycle accident.
And now I have a 4000 deductible.
-- I have Bob American flight American humane -- was -- medical bills and what might my question is David how -- -- keep from going back into debt -- -- not working right now.
I'm I'm I'm.
-- -- bill can't come at me yet.
Five I don't know what -- do when -- do you did not have an emergency fund built.
I did how many light gun like three months I still I'm still doing OK I -- -- -- three months how much money.
I mean that Obama to grant.
That's -- -- expenses.
While I get a little bit -- of money per minute.
I'm a renter is like 400 dollar bottom line.
As you're not carrying you weren't carrying a fully funded emergency fund to grants not even close.
Now and -- when you're -- a 4000 dollar deductible.
Right so that that's I mean I want to help you but also want to point out to our viewers that you're gonna carry forth -- -- -- just say you need to carry.
You -- -- five -- 1010151000.
Dollar emergency fund.
And I play that way you can cover the four grand and an emergency.
Well you gave a pretty -- out about halfway through and -- can go back to my basic insurance.
And change that there but the captain before I had a chance to change it back.
Got you know -- I'm not picking on ya just wanna Clara father that.
You know -- -- say it's a good plan but it's only good plan if you keep that emergency fund coverage -- now you've got 2000 dollars to your name you're hurt and you can't go back to work right now.
And you're gonna have to pay 4000 after which they're going to pay a 100% right.
-- -- -- Well good news Asia only got to come up with for Graham and what do you make when you're driving while coming income you -- About 38000 and will we be back.
-- opened up by the first of the year everything goes good intent is there anything you can do it in the meantime the cradle of a part time income.
I'm I'm not sure I don't know and kill off work on disability right now for him and elected for disability income.
A week but is it dependent upon you not working or do you get that either way.
But it I have to be kind doctor the -- it depends on my not mean not being able to work.
Focus -- 170.
A week so we're not talking any money at all over the next four weeks well basically what you're gonna have major 4000 dollar for the medical bills.
Because you're gonna use the 170 week and probably some of the 2000 dollars -- -- went through the month of December.
And then first the year you're going to be back to driving and you're gonna have Apollo medical bills -- there and the first 4000 of which leisure.
And so you just got to get on -- get out of that plan.
And that is the you know -- the -- the first 4000 of these are gonna decide which ones are hours and turn the rest of them over to the insurance company to be paid.
And you know the deductible will apply to the notion that should be.
That the insurance company does that as -- -- filed with everything as you and so.
They should send you only 4000 dollars worth of bills the rest of and they should -- And then you're just got to work your way through those as quick as you can literally living on beans and rice tries to -- you could probably do as much as a thousand dollars a month.
I think I probably could but you like -- David -- -- all of want and I went out I got a credit card haven't used it yet well look at it as a backup plan.
I would use it now.
I mean you don't need to pay all of these bills you only got 4000 dollars worth of bills you've got to pay.
And if you pay a thousand dollars a month on them beginning in January you're going to be -- they're not gonna come after you any sooner than that.
-- we'll get pretty scary situation I'm looking between 30000 dollars and all of a sudden when I was almost got a debt or.
Garland they don't have -- point 3000 dollars in debt the insurance pays everything after 4000.
I -- -- but it he'll play hit and -- well I mean I'm just trying to explain because I want to what that's what the insurance -- -- thank goodness she had insurance.
Yes and that's what we've nor so tough on people who make them go get insurance and you know so I'm I'm -- you really have done a lot of very Smart things.
In listening to us and following the things that I teach over the last year -- you've made a lot of really good moves.
And now you just you know the only good movie hadn't made it hadn't built up the emergency fund and then you had an emergency.
So now we're gonna go back to the baby steps and you know -- -- these found -- these bills out of thousand dollars a month and then we're gonna build our emergency fund up to three to six months of expenses.
And walk right through those baby steps and then next time this comes up or anything comes up you'll be okay but the good news is you don't have 43000 dollars -- -- you have -- war.
And you can beat that by you know the end of April.
-- checking in on some email.
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