Gigi

Hi. I just had a question about whether I should... Pay off my credit, I mean, not my credit card, pay off my car or save money towards a deposit for an apartment. So a little background story. I'm on baby step number two. I will have all of my credit cards paid off this month. So I've hunkered down with about... $18,000 that I got paid off. I have a daughter.

I recently moved back home with my mom. I am married. I'm going through the immigration process with my husband and my two stepdaughters. So they can be here next week, next month, next year. There's no real big timeline and there's no room for them at my mom's house, of course.

So I'm wondering in this time, should I just save up money for a deposit for an apartment so I'm ready when that time is coming? Is there here or should I just go ahead and continue to try to pay off my car?

$6,600.

$16,000.

Okay.

I bring home about $3,600, and I've been putting $1,500 a month on my debt. So I it looked like I would be due to pay it off in about maybe nine, 10 months.

Yes, but his money is just taking care of him and the girls over there. We're not. No extra, really.

Oh, that's so great.

I've been following all the news. Yeah. Yeah, it's crazy around here. I think a coworker of mine, their friend lost their house to the fire, but we're doing okay. You're okay, and you're where you are. Okay, good. We're a little bit outside of LA city limits, so we're okay. Can I ask you one more question now? Sure, yes.

And I guess, so we're saving for this apartment in being that I make about $59,000. So being that apartments are $2,200 maybe for a two-bedroom, would it... it's going to be over half of what I make per month. But being that I'm debt-free at that time, would that be something that would be okay? Because I know it's usually no more than 30% of your income.

I'm just, I'm tired of debt controlling me in all aspects of my life.

It's just really hard. Isn't it scary? I can't keep this up for another year.

Dang. Damn.

Thanks for coming out. Thank you.

Yeah.

Mm-hmm.

But I like hanging out.

Somebody help me, please. God.

Love you.

Who the fuck said that?

Damn.

Here, let me put your head up there.

Damn.