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-- rouge Louisiana as -- this Kristen is on the line hi Kristin welcome of the Dave Ramsey show how are you tonight.
-- -- got married and I and better than deserve what's up.
Okay well -- -- four years old look at not only had all.
And and I mean you -- guy like -- -- and dad -- Medical bills against -- got out of he made ham and got out of -- really really bad relationship has.
You know I'm trying to pull the -- all that I don't even know.
Basically even where to start like I can pay my card as.
Which I -- having -- -- you know my old car which was not even know there was and I think convention.
And you know went and got another car and -- you know I'm fine like that -- diet.
I don't I don't know I started -- why did you give him a car.
Because we would have you got a civil court address.
-- and and and it just wasn't like that because.
And it -- my name on that title.
Yeah he had so you get in your -- of a car.
We have pretty much okay -- you make a year ago.
I don't really like he had never.
Every month and make about 16100.
From him that.
So how much is your rent.
-- limit how might I just made sounds good I don't have any -- right now very good and how much is your car payment.
Similar -- on the car.
And so I just started making a payment -- I've got another fourteen months it.
OK and you know what what you paid for the car.
Well I put talent starting 100 but I think it you know after everything went bad and dining cannot tell right.
I don't know want to say 9000.
-- -- About 111000 simply.
What a photo of the -- -- You know well -- -- took fourteen times 325.
-- -- I lost 3100 down payment would put me in the 7000 range.
-- your dad go with you when you bought the car.
No rule one out I don't I don't know what a guy yet you know buttoned -- and I -- -- and say -- but.
You -- they're divorced now focusing you're living -- your mom.
Well I play -- if he didn't go with you either.
Yes she came let me but it contains on the says Mary blueprint they first saw spoke and it's not going to do you know she got -- and make anybody mad they'll look.
-- and -- here.
Here's the so there was no help you know.
Well your car payment is awfully awfully high.
I know how much medical bills I mean so much -- medical bills you have.
I'll probably about.
-- -- and color and what's that from.
-- number one not gay relationship where.
I get it it says on my forehand.
And the other island I haven't really bad back problem though I just kind of -- and then the hospital and the the idea behind views.
-- and what are you doing for a living -- to -- 16100 a month.
Ali how are gonna find the same -- -- -- working forty hours a week.
-- a little bit more could occur.
And I don't he had on -- I shouldn't have really think I need to get another job I like not another one but now.
He had knocked out they -- -- and I -- -- -- -- part time job in addition my -- Friday because he needs more income which will help you to act this OK let's look at the good -- okay.
The good news is you wised up and got away from -- -- Berger who was beating you.
And that -- so that's good news from.
The good news is is that you have a good job not a great job but you have a steady job and -- -- some income coming in.
The good news is you don't have any personal overhead because you can limit your mom's for awhile.
-- -- -- -- are all of our pluses the bad news is.
Miniature toy for your starting pretty deep in the hole here you got 9000 dollar for -- mess to clean up plus this -- mess to clean up.
-- -- now let's just put that together and say we've got 4000 and at 9000.
Which is thirteen thousand dollars and so.
If you lived -- nothing.
And major car payment and put a thousand dollars on your debt she'd be debt free and thirteen months.
Okay so that's -- sample.
-- -- Just to tell you that you could be out of that even making no more than you make but if -- go get another job doing something else simmering in another thousand dollars a month.
You should be debt free within a year.
How black concentrating on this well you have thirteen thousand dollars and that right.
Right and he made a thousand dollars a month that a part time job to go with this one and work like a crazy person have no life.
-- you're gonna clean up your mess I know that you get to start with no car payment and no data out there anywhere that -- -- a pretty good place.
Now what I've learned over the years -- is that my personal character she drinks and behaviors.
Caused me to build wealth.
My personal character weaknesses.
And behaviors caused me to lose wealth.
Can we look at your story and see that.
-- -- what the wrong pieces of chrome cost you a lot of money where I.
Okay and so really really really start thinking about what it is inside of -- the cause you don't actually submit yourself to someone who hit shoot.
And so what I'm going to recommend is is that we want to work on -- And what's inside of you which will enable you then to build wealth.
And not be subject to this kind of crap anymore otherwise you're just gonna cycled back through this stuff does that make any sense.
It at -- hello.
-- fact that makes that okay but I.
So what I what I'm gonna do is this -- -- suggest you sit down with a pastor at a local church near you.
And and that you start getting some one on one personal counseling.
About what's going on inside of you.
And I'm -- -- your copy this book the total money make over which is gonna show you what you need to do.
-- all the money piece of this but until you handle the -- piece of this the money piece of this is gonna continue to struggle.
No question about that --
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