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It's a lot.
Okay Fort Wayne, Indiana is what is -- was -- -- Kyle what's up.
Negative news laying alkaline well.
-- I've been playing catch up from a year and a half now.
I just -- point one a couple of days ago.
-- -- here.
Right -- high school life who refuse to rent -- to move on and I actually purchased a home on one idea birthday -- And who had a great job doing good.
-- in college.
That I kind of -- -- my played up by one on one of four wheelers and look the played up the -- okay though.
That's about six months looked smooth sailing -- experience to lay off from your company with a -- have a month period.
And I have you look at your steps everything has sold.
Garage sales and try to get any income I can.
I got into a company about a month now.
It's right near my house here great day and there actually hitting the collagen by anything that schooling for me.
-- school so what do you make now.
-- about 800 -- take home.
Oh yeah and they're paying for college -- -- good for you and how much -- your house payment.
-- 400 very good the end four -- is gone this year OK is there any other debt.
You'll during that layoff period eight.
You've got my emergency fund -- -- only two months on the ahead.
And -- -- get into credit card issue this thing you know grocery whatever that time I looked for jobs and they forget.
So I am sitting right about 5000 dollars and who turned over that and -- little on it.
Other the other truck I'll have -- what the truck payment.
How much is a primer on the current streak want him on.
And then absolutely clear old guy auto insurance runs -- like to twentieth world.
-- -- -- -- Well that's also the side of the truck and -- you got -- you got ripped off on the interest rate to it and it.
-- to a few bad.
Well you don't play at seven point little.
-- the little level.
Well I've been established -- -- about 56 years some pretty of their.
Well the three -- when he is a lot I mean you're playing almost as much on your truck.
As you are on your house.
And when you consider your take home pay is about 40000 dollars a year you've got half your household income -- up and drop.
So it's pretty steep on this truck if you're gonna keep it it's gonna cause you to -- -- to run this race slower.
And so what what I do if I woke up in your shoes knowing now what I -- the you know knowing then what I know now from.
Top Al -- credit card debt 8000 or -- -- I'm probably selling the truck and get me a little beater car and if I felt marked paid off -- -- save up about me a little better truck and pay cash for.
And get my life back under control 'cause as you're found out having six months of emergency fund set aside and having no debt at all it really sweet place to be in this world where we have a lot of uncertainties should always.
Yeah I I had my emergency fund then things.
I got to the company was still great and they delay off doing a lot of work.
Well here's what she did you made the assumption that the income was always going to be there -- and based on that you took on -- and you didn't have enough of an emergency fund.
And so because emergency fund ran out -- kicked up the debt.
And because you have the truck -- in the four -- at the time and all that back kicked up the debt and so if you had no car payments and six months of emergency fund when you got laid off.
You -- and no payments of any kind.
You wouldn't be sitting here right now.
-- -- -- is reviewing -- you not to not to pick on because really.
That's the well -- you've done pretty Smart things overall and you got a good head on your shoulders.
It really articulate you're able to put these ideas into words that's very that shows your intelligence and I'm really impressed -- you.
But you gotta you -- back up you gotta say are -- learn the lessons from this process.
At one wants Obama 51 I'm still not sitting here pray pray because you hear people call the show that -- 51 and exactly where you are -- -- Yeah I think I look at it and you know I love your show quite a bit here a lot bigger dollar amount.
And -- I don't wanna be -- she never thought that I have.
I had a -- credit cards for one I paid off the other when I cut I'm still making payments -- it.
You have a -- everything other than -- -- much vegetation.
Now I mean you could consider that doing that -- idea and then claw your way out and then back up into -- truck later -- kitchen of the truck.
Just -- truck there on every corner.
And you know but you've just got to work that through I think you're right on track in terms that you're thinking about the issue of Europe over the problem you're looking down into it.
I I sense that you've got a handle on things you're you're making you know you've got traction.
And -- -- -- you can pick up part time job you -- school understand that but anything you can do me any more income you can get the faster this whole thing goes away.
But no need to panic I think you're I think you're under control you've got to just have a written game plan to attack the situation.
Answers to more of your twenties something.
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