Charles (caller)
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Hi, it's an honor to speak to you, too.
Okay.
Basically, I've screwed up my life.
I know that.
And I don't see any way out of it.
I don't know how to even start or what way to go, but
my, my student loans are 150,000 and they're not coming down.
And, um, my house paint, my house mortgage is 120,000.
And so since my house is less than my student loans, when you do a debt snowball, do I pay off the house first and then the loans?
But either way, it's, it's going to be years before I can even come close to paying off anything.
And then,
How do you do something like that?
I got kids at home.
How do you do something like that and not find yourself singing Captain Gradle in a few years?
Well, it's like I can try.
I don't see any way of paying this off, you know.
What's your income?
Let's put some facts on paper.
Okay, I take home.
My household income is maybe $45,000 to $50,000, depending on if I can get overtime.