Caller

We're here now. You don't have to. I mean, don't beat yourself up for this. This is a lot to manage. So there's seven thousand dollars total of medical debt. Is that correct? Yes. Okay. And it's all in collections. So the good news is you're going to... Not all of it.

Oh, just yours. Just your $6,000. Not mine.

Oh, just yours. Just your $6,000. Not mine.

Oh, just yours. Just your $6,000. Not mine.

Two out of four of my bills are in collections. And what's in collections amounts to about $6,000.

Two out of four of my bills are in collections. And what's in collections amounts to about $6,000.

Two out of four of my bills are in collections. And what's in collections amounts to about $6,000.

Okay. So what's in collections is $6,000. What else is there that's not in collections? Tell me all of it.

Okay. So what's in collections is $6,000. What else is there that's not in collections? Tell me all of it.

Okay. So what's in collections is $6,000. What else is there that's not in collections? Tell me all of it.

Okay. There's about $1,000 of my debt that's... medical debt rather that's not in collections so when my husband has a lot of times okay so we got eight thousand total dollars of debt Yes.

Okay. There's about $1,000 of my debt that's... medical debt rather that's not in collections so when my husband has a lot of times okay so we got eight thousand total dollars of debt Yes.

Okay. There's about $1,000 of my debt that's... medical debt rather that's not in collections so when my husband has a lot of times okay so we got eight thousand total dollars of debt Yes.

Okay. And going forward, so let's talk about going forward first so we can prevent this from happening again. And then we'll talk about how to pay this off. So going forward, you've got the emergency fund. And I talked to a caller about this earlier today. Your emergency fund is for emergencies. Those are things that are unforeseen, right? You don't see it coming around the corner. It's unexpected.

Okay. And going forward, so let's talk about going forward first so we can prevent this from happening again. And then we'll talk about how to pay this off. So going forward, you've got the emergency fund. And I talked to a caller about this earlier today. Your emergency fund is for emergencies. Those are things that are unforeseen, right? You don't see it coming around the corner. It's unexpected.

Okay. And going forward, so let's talk about going forward first so we can prevent this from happening again. And then we'll talk about how to pay this off. So going forward, you've got the emergency fund. And I talked to a caller about this earlier today. Your emergency fund is for emergencies. Those are things that are unforeseen, right? You don't see it coming around the corner. It's unexpected.

It's completely necessary, right? And you need to do it today, right? That That's an emergency. But then there's things like, I don't know, a medical deductible when you know that you're dealing with health issues that really do fall in line with more of a sinking fund that I just keep this out of pocket. Max, you keep his, you keep yours because you know, you're going to hit it.

It's completely necessary, right? And you need to do it today, right? That That's an emergency. But then there's things like, I don't know, a medical deductible when you know that you're dealing with health issues that really do fall in line with more of a sinking fund that I just keep this out of pocket. Max, you keep his, you keep yours because you know, you're going to hit it.

It's completely necessary, right? And you need to do it today, right? That That's an emergency. But then there's things like, I don't know, a medical deductible when you know that you're dealing with health issues that really do fall in line with more of a sinking fund that I just keep this out of pocket. Max, you keep his, you keep yours because you know, you're going to hit it.

You know, you're going to have to pay it. Think of it as a bill that you know is coming due. And so I'm not sure what the, I think you said yours is 3000. I'm not sure what that looks like for him with Medicare, but if you can keep that money on hand every single year and you're saving towards it.