Caleb Hammer

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.

But the post show will not be fine because we have a lot of phone calls to make and it is going to be crazy.

Let's get the hammer financial score first.

Your getting out of debt situation isn't that hard.

It's a little bit of time, not as much for most people on this show.

And you have the opportunity to make more money and cut your spending dramatically.