George Kamel

That's where I'm going.

They're giving you zero advice.

They're not telling you to withhold enough for taxes and pay your estimates.

We're giving you more tax advice than your CPA has.

based on what you told us.

I don't know.

Okay.

Well, you're not going to bankrupt on the student loans or the IRS, so this is a moot point anyways, and I wouldn't tell you to file anyways.

You can clean this up, but it's going to take a lot of focus, and it's going to take some time.

You're going to be throwing thousands at the debt every month and extra more than just the minimum payments.

Otherwise, this is going to be a 10 to 20 year journey.

Cause you're going to have about $200,000 to clean up.

And so if you factor in, you know, 24,000 a year, that's still 83 months at two grand a month being thrown at the debts.

Now you're throwing a lot of the debts already.

You said you had 2,500 in credit card payments, plus the IRS, plus the student loans.

What do all those payments add up to a month?

Okay, so $4,200 is already out the door every time you get paid.

And my guess is you probably take home around $7,000 a month if you factor in taxes?

When you start factoring after taxes, I think what got us into hot water is forgetting that taxes are a part of the game.

So if you make that seven, start paying those taxes, it'll help.