Christina Ellis

Okay.

Just over it, yeah.

So you have no more debt, $20,000 in an emergency fund, and you owe $13,000 in taxes.

Mm-hmm.

I just feel somewhat like... It's been the whole process of just kind of feeling like a little bit of a failure where I got myself into that position to begin with.

And...

And just, and then, and then not planning it out properly.

And, and you just, you just feel like, why did I even know?

I mean, I kind of, I feel like, why did I even bother?

Like where everything was okay before, like I didn't want to be in debt, but it didn't hit me hard like this.

And I guess, you know, I understand I have the money to pay it off, but it's just emotionally as hard.

Yeah.

And you're debt free.

And thanks for this call, because for all of you out there who are doing side hustles for the first time, this is an important note.

You need to set aside money for taxes.

That just has to happen.

That's right.

This is The Ramsey Show.

I love the fact that you're 16 and you're asking this question.

What grade are you in?