Garrett

Oh, yeah. I mean, I went out on a date, a few dates the past couple of weeks. I don't know which girl.

I think I know who you're talking about.

Yeah. I mean, you know, she's cool. There's nothing wrong, but I kind of thought we were, you know, going to be on the same page. Like we were going out. I thought we were kind of just, you know, going to lead to hooking up at the end of the night. And like, she wasn't down. So I don't know. I mean, that was kind of like my main motivation to go out with her.

I'm not really looking to like date right now.

Yeah, I mean, that's true. I mean, I don't know. They weren't that expensive, and I don't mind, you know, having, like, a good time. You know, I'm not just exclusively only trying to do that. Like, I'd like to have a good time during the night, too, and then kind of end it with a bang.

Yeah, I mean, well, I'm not trying to ghost her. It's only been like two or three days, but I don't know. I just kind of lost interest.

Yeah, well, I mean, I feel a little bit bad, but I mean, it's just kind of, it is what it is. I mean, I assume that she was, you know, on the same page.

Well, I mean, she was being all flirtatious and, you know, like the first time we met, same thing. And she was like texting me some stuff. And I don't know, it was just, it was very clear that she was wanting something. And then I don't know.

She's on the line right now. Yep. How's it going? Now this is awkward.

I'm sorry. You know, look, I'm sorry. You know, I've been busy and I did mean to text you back. I don't I don't really ghost girls like that. Like, I'm not trying to be like that guy. But I guess you just I guess you just heard what I said. And so I don't know. I mean, I was looking to hook up and you weren't down and it just didn't end up going to where I wanted it to.

I like to court a girl. I mean, I like to court a girl, you know?

It's literally been like two, three days. I mean, it's not like it's been read.

Yeah, like, how do I even say that? Like, it's supposed to be implied.

Okay, fine. I want to sleep with you. That's what I wanted out of the day. That's it. Are you happy now? I mean, there. It's honest.

Yeah, well, I mean, I never had a girl take me on the radio. I mean, that's kind of crazy in itself, especially after, like, three days.

No, I'm okay. I'm done with this. It's all too wild, too much.

Yeah. I don't know. I'm not down anymore. It's just the radio call is kind of weird.

Well, maybe I would. Yeah. I mean, yeah.

Well, then I'll text you.

Well, I was on the corner, like where the concrete was, and then I could only see, I was the only girl I saw right there.

I heard something about four, five, six or seven gunshots.

Sounds good to me.

Yes, yes, for sure.

Okay.

I've racked up about $156,000 in business debt, and I've kind of been contemplating bankruptcy, and I didn't know if maybe you thought I should or maybe had other advice or options.

$7,250.

Yes, sir.

I sell cabinets and countertops.

On what? Yes. So my, like, future revenue. Basically, I gave them my bank statements, and then they said, we'll give you this much. And it was like a daily payment. And last year in 2024, I had a very slow time, and it pretty much just took me for everything I had.

Um, they were, I've since put, um, like stop payments on them. And I'm actually, I was working with like a, or am technically still working with a consolidation agency, but that, that cost is like $1,200 a week, which I can,

Kind of do, but it's hard to manage that, and every time I miss a payment, they're threatening to cancel the program, and it's nonrefundable, and it's still another $28,000 I have to pay into it before they'll negotiate with them.

Yeah, I panicked, and I did all that before I'd kind of talked to anyone about it. Now pretty much my whole family knows, and I've been a little more open lately, so I've been getting some more advice.

Um, no, I was, I was doing pretty well. And then I, I took a lot of pretty sizable loss on a job. And I also got a little full of myself after like a really good four months stretch. Um, and I fell behind on my bookkeeping, which looking back, that was kind of the debt that was like my detriment to it all.

Um, so last year I did about $400,000 of, uh, revenue. Right. And I have, um, my margins are right around, uh, 31%. Okay.

Yeah, I didn't think so.

$14,000, $17,000. Yeah. About $20,000.

Yeah, I have been. I've been paying them. It was a large amount. Now, listen, I'm giving you a program.