Caleb Hammer

That's not that bad.

Now, you are going to have a rent situation that might push that further.

But if you bring in extra income, we'll see.

Maybe it brings it back down to where it's still three and a half years.

So just focus on paying off this debt.

Follow the strict budget.

Meal prep, meal prep.

It'll be good for health.

It'll be good for budget.

Make your energy drinks at home, your hydration drinks at home, all that good stuff.

Use the resources we have.

Pay off this debt three and a half years and get a fully funded six-month emergency fund.

Use the dollar-wise budget you have to keep you along that way.

And then you got to catch up back up with investing again after that six-month emergency fund.

And at your age, I'd probably do 50, 25, 25.

50% on needs, age, which will be 40 by the time this is done.

But 50% on needs, 25% on fund, which is a lot of money for your situation, and 25% to investing.

And you'll live a great life.

But it's a sacrifice of three and a half years and it's totally worth it.

Now go make as much money as you can and spend as little as you can and you'll be fine.