Caleb Hammer

Yeah, I mean, I would pay your uncle and boyfriend back immediately, which you should be able to do in a few months.

What is that?

Seven months, maybe?

Eight months, maybe?

After that, save up $4,000 as quick as you can, which you could do in like a year.

or so, depending on what your minimum fee payments are like at that time.

And that will allow you to pay off that massive collections thing.

And then from there, you're doing that 600 until the national debt is paid off.

So you're just saving up a fully funded emergency fund

Whole thing, I'd say about three, three and a half years.

So no, I would not do bankruptcy at that mathematical thing.

Try to make more money, obviously, of course.

And that will accelerate that process.

But fully funded emergency fund debt-free outside of your minimums to national debt will be three and a half years.

And that's not bad.

Then you're 50, 30, 20 for the rest of your life.

50% on needs, 30% on wants, 20% on savings, which is mostly investing at this point.

Because, I mean, you'll probably need a new car, but you need to invest to get some retirement going.

But you need that fully funded emergency fund.

Okay, we'll call the boyfriend of the post show, but let's get the hammer financial score first.