Christian

Hi, Ken and Jay. Thanks for taking my call. Yes, I am just starting the new year off the right way with trying to get out of debt. I'm following the baby steps. I am just don't have a lot of accountability and I need direction. And I really wanted to make a big deal about this. So I wanted to call the show and get some professional advice from people that I trust.

Hi, Ken and Jay. Thanks for taking my call. Yes, I am just starting the new year off the right way with trying to get out of debt. I'm following the baby steps. I am just don't have a lot of accountability and I need direction. And I really wanted to make a big deal about this. So I wanted to call the show and get some professional advice from people that I trust.

Hi, Ken and Jay. Thanks for taking my call. Yes, I am just starting the new year off the right way with trying to get out of debt. I'm following the baby steps. I am just don't have a lot of accountability and I need direction. And I really wanted to make a big deal about this. So I wanted to call the show and get some professional advice from people that I trust.

Well, I've never really been good at my finances in the past, keeping a budget, keeping up like a record of my finances. And I'm about $90,000 in debt. It's 35 of it. $35,000 is an auto loan. and the rest of it is credit card. And I work part-time, seasonal, on a farm in Oregon. I don't make very much, but I'm very fortunate and blessed to have a trust that I get money from every month. How much?

Well, I've never really been good at my finances in the past, keeping a budget, keeping up like a record of my finances. And I'm about $90,000 in debt. It's 35 of it. $35,000 is an auto loan. and the rest of it is credit card. And I work part-time, seasonal, on a farm in Oregon. I don't make very much, but I'm very fortunate and blessed to have a trust that I get money from every month. How much?

Well, I've never really been good at my finances in the past, keeping a budget, keeping up like a record of my finances. And I'm about $90,000 in debt. It's 35 of it. $35,000 is an auto loan. and the rest of it is credit card. And I work part-time, seasonal, on a farm in Oregon. I don't make very much, but I'm very fortunate and blessed to have a trust that I get money from every month. How much?

But I've been very irresponsible. It's $7,000 now.

But I've been very irresponsible. It's $7,000 now.

But I've been very irresponsible. It's $7,000 now.

When I am working, which I'm off-season right now, but usually about $2,000 a month. And I work part-time because I have a two-year-old daughter, and I watch her half the week. I have her three and a half days.

When I am working, which I'm off-season right now, but usually about $2,000 a month. And I work part-time because I have a two-year-old daughter, and I watch her half the week. I have her three and a half days.

When I am working, which I'm off-season right now, but usually about $2,000 a month. And I work part-time because I have a two-year-old daughter, and I watch her half the week. I have her three and a half days.

Well, so her mother watches her the rest of the time and she is a big support and my daughter and everything.

Well, so her mother watches her the rest of the time and she is a big support and my daughter and everything.

Well, so her mother watches her the rest of the time and she is a big support and my daughter and everything.

Um, well, I was never really taught that. And, um, yeah, I, um, um, and, and when I get, um, around math or numbers, I choke up. Um, I didn't get very far in math in school and it's, um, it's a very uncomfortable subject for me.

Um, well, I was never really taught that. And, um, yeah, I, um, um, and, and when I get, um, around math or numbers, I choke up. Um, I didn't get very far in math in school and it's, um, it's a very uncomfortable subject for me.

Um, well, I was never really taught that. And, um, yeah, I, um, um, and, and when I get, um, around math or numbers, I choke up. Um, I didn't get very far in math in school and it's, um, it's a very uncomfortable subject for me.

Um, no. Well, What do you mean by that?

Um, no. Well, What do you mean by that?