Alex (Caller)

Like I said, when the baby was born, we went into stupid tax.

My wife and I need to really... What does that mean, stupid tax, to you?

Our stupid tax was more, we paid off our last credit card before we got the final bill for the baby.

That's why we have medical debt right now.

And then we...

Our fast food budget quadrupled from where it was in July.

We have our $1,000 emergency fund and then at the moment we're at about $3,400 just checking that's going in and out for bills.

If we get a scorched earth and that plus a decent portion of my salary, I should probably be in the next paycheck.

Yep.

My wife also has a seasonal job that's kind of in there, so our January through April is significantly higher than our rest of the year.

Yeah, we run through every dollar every month.

A little bit.

I guess I might have just been impatient too.

What's up?

Nothing.

Quick question.

First of all, I just wanted to preface it by saying, Dave, I've been listening to your show for a while, and I really want to thank you for all your advice.

I used to be one of those people that really just thought about, well, yeah, I can afford that payment.

You know, I can afford that payment.

And just all of a sudden, I'm just under this massive amount of debt.