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Let's go to Michelle in Midland Texas to start the evening off.
Hi Michelle welcome to the Dave Ramsey show how are you tonight.
-- did -- are you better than I deserve what's up.
Well and let's get make -- -- year.
And I have cut my extensive.
Expensive at a -- -- -- and say.
Well balanced out there about half of my paycheck every -- -- -- about 12100 -- -- AM yeah rock as -- cut everything game.
I don't go anywhere from -- so I'm I'm that it meant cutting there is Becky and I believe we didn't.
And daddy so everything -- that cannot have any debt and you -- IA had paid everything off.
So this is all I have to worry about it my monthly expenses but the question but I have revolves now around.
I'm going to have my first baby equipment -- wonderful.
Yeah I'm excited I'm ready.
With that comes a whole I don't.
Question the emotion Larry King -- The plot hole left -- -- -- -- pregnant.
I don't know -- -- hope.
I said oh how nice.
-- said that I'll take it you weren't married.
You know OK and so he -- understands under Texas law it starts to pay child support right.
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- And and then since then my mom and and I had a big falling out so she's got involved either slow.
Mean there's just -- kind of going on but.
I'm really tactic focus in and get -- get anything going because.
I'm no longer have -- -- last thought Lawler we're disappointed had -- issues with my car and I had to use that occurred at.
-- good good and bad.
But now I'm here she went away and that and -- -- -- and like any -- regroup and make it planned for the -- several.
I don't know how did you get me.
I assume you're working now.
I'm working I'm gonna try and -- right up until.
What I think my attorney leave my knee my.
They will be cut in half then the whole time now so.
I was thinking and yeah late pit stop how much money as you can't for the baby.
It didn't get that didn't -- -- -- -- ranch for January February can lead and then -- end.
-- -- -- -- In the next you know month continue to and then I won't have to worry about that when I'm not -- maternity leave.
No we just -- -- fashion in the count.
And that way -- -- and -- -- of some kind of a problem later will pay him on time but going to set the money aside.
There's no difference between a sitting in your savings and you -- paying -- the money still there right.
The closure to some bad enough to not spend the rent money.
And -- during the six -- triple -- -- think that's right now and look at just.
Around 7000 dollars trojans just a drop in the bucket I was thinking that the baby maybe 101000 dollar emergency -- is that too -- what are.
I wouldn't hurt to work towards today you've -- only right.
Well -- -- really yeah.
And so yeah we're gonna -- our daughters but I don't think you're gonna be there by December do you.
I'm not at its finger and I mean just after she hit parents and you have no you know -- -- -- right.
And you know.
Good for you that's goodness yeah I think you just build -- and and I savings and as a single mom counting on -- in calm although we pretty much can be assured the state is going to help you collection child support but.
Borda count on one income than an a little bit larger in the normal emergency fund wouldn't be a bad thing.
And do you recommend me.
You're an idiot say rattling -- or they're just say that I'm gonna need a new car my car -- -- hundred think that thousand mile post some patent and they probably.
You're the actress I'm gonna need a new car the American -- times I'm trying to figure out where to add that he would -- in the middle ball that.
I'm under the emergency fund first and upgrading our second.
Start a little bit of a retirement fund -- next and then start PSA so you're probably not gonna start -- -- -- until your baby's a couple years old.
And that's okay that's okay you.
You're -- as you go along your life is going to improve dramatically.
And in terms of income and in terms of wealth and other things too.
-- -- and you'll be able to catch up what little bit your behind because a lot of people start this program the kids are already six or seven.
And so -- you can you know you can you can do a lot towards college -- not completely take care of college but starting in a few years.
But take care of your other foundational things first.
-- -- -- -- -- -- -- -- -- -- -- Eat it.
Now added that attitude I have one available can we do not want and need to go back yeah.
Or middle in Texas as -- church on ever corner -- one available to you but.
And what what I would tell you the reason I -- is not the -- religion on you but without him there.
And -- this -- connect with your mom.
I mean you're you're strong lady but we all need somebody to walk with us especially through terms of having a baby and so you -- plug into -- community.
If you're not plugged -- if you don't have other kinds of friends and family around you to support -- With these two major characters in your life abandoning you right now at all.
You've got to -- plug into something where there's going to be a help for does that make sense.
-- financial help you're -- -- financially you're very on top of that but emotionally and spiritually you're carrying.
A big -- with the new baby on the and to do that by yourself I don't think you need to Wear your super woman Kate.
It's OK to have a little help from some friends -- And so I would plug into something like that and down.
You know see what we can -- -- which you can do to get some help around -- but financially you've got to.
Given your situation you you've logically thought this out you've developed a solid game plan.
You're you're not being -- victim say oh this is all happening to me -- happening to it.
You're very healthy on all of that you're really got a good perspective.
And I'm pretty impressed considering what your -- and so on I think it is going to be OK and I think you're going to be okay.
And you're going to be surprised.
That it is easier then.
All those fears in the middle of the night make you think it's going to be.
And and you're going to be a great mom thanks for the call --
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