Dave Ramsey

And you feel like they're saying you're not a good guy, and you're a good guy that made a mistake.

not an evil person you didn't set up a business to go screw somebody right you're just a young guy that made some mistakes and now you got to go clean up your mistakes um you can file bankruptcy if you want dude but you're still going to have to pay your parents and you did all of it over 90 grand that i just settled for somewhere around 50.

And you shouldn't file bankruptcy when you have the ability to make $120,000 a year.

Not morally, but I mean mechanically you shouldn't file bankruptcy when you've got the ability to make $120,000 a year and $50,000 cleans up your mess.

Because you're going to pay the $37,000 worth of vendors because you've got to keep them in your life.

The other people you're going to settle for $0.50 on the dollar.

And then you're going to call mom and dad and pay them as quick as you can.

And never borrow money again from anyone.

Not even your parents.

Have you learned your lesson?

Yes.

You can do this, Garrett.

You can really do this.

I promise you can.

Here's the forest.

Here's the trees.

Don't burn everything down.

I'm lost in the woods.

We don't have to burn the forest.

Yeah, that's exactly right.