George Kamel

And when life hits, we can't ignore it because it just snowballs and makes it worse, which you're finding to be true right now.

Yeah, because there's still a chance that they might settle this for you if you can get with the creditor and say, hey.

Yeah, that's not off the table.

uh i i don't know what type but i just called to inquire and they pretty much were like well you have to run your credit anyways and we don't even have the credit good i'm glad you don't have please do not use your house as a piggy bank and go into more debt thinking you solve the problem yeah debt debt doesn't solve for debt the only way you can solve debt is to pay it off with actual earned money um so here's here's going forward so how's the job search going for you

Today, today, I want you to know any job will do for the time being.

Yes.

And then the first order of business is to try to stack up.

You need to sit down with your husband tonight, find out what the full amount owed is, and then try to put.

scrounge together as quickly as you can, 60 to 70% of what that is, or even 50%, start small and say, hey, go to the creditor directly and say, hey, I know we don't have the full 8,000, but we have 4,000 today, take it or leave it.

Because they're in a position at this point

They're not expecting to get much, you know, this garnishment of wages, you know, that they're going to get what they can, but I would at least try to settle it.

There's no guarantee there, but I would try that.

And then from here on, yes, the solution is income.

There's not going to be a magic wand here.

If you guys pull out a HELOC or any other type of loan or personal loan, you are just kicking the can down the field and honestly making things worse for you in the future.

So for you guys today, the name of the game is income.

and drawing a line in the sand and saying, no more.

This behavior of you over here and me on this side, that cannot continue.

This idea of not facing our financial issues head on cannot continue.

And I love what you said earlier, Sarah, that you guys are kind of