Dave Ramsey

How much are you going to be making at the new good job?

Are they going to work you 40 hours?

What we've got to start with, let's go back to basics.

Before you do anything else with money, you take care of food, shelter, basic clothing, transportation, and utilities.

Do you pay rent?

And I, so you pay the rent, so you pay the rent and you go to the grocery store, wait, stop.

You pay rent, you go to the grocery store, you get the car current before you do anything.

All the other debts can wait till you pay rent, get the car current, get, get food on the table.

Okay.

Before you do anything, you've got to build a basic foundation in your life, and that's food, shelter, clothing, transportation, and utilities.

Okay?

Now, once you're current on the car, then you can decide, let's reach out to the student loan people and let them know you need a hardship deferral.

And send them some of the paperwork on some of the mental illness issues you've had.

And just to let the bureaucrats have something to chew on for a little while.

While they wait around, you do nothing.

You quit paying them for right now.

And then you get this book of business at the swim lessons full as fast as you can.

And Jade's right.

In the meantime and even after, I want you to work all the time.

Because what you need to fix your whole life right now is $16,000.