Natalie

You know, honestly, that's kind of like our savings.

When we have extra money, we buy stock, and we look at it as if we need it, it's going to grow.

Okay.

It will grow until we need it.

Right.

Well, that's kind of the concern, and with the high returns right now on the market and the—

percentage rate of buying right now, which one is the better choice for us?

Hi.

Thank you for taking my call.

Thank you.

I'm so grateful, actually, that someone can look at my situation from outside of the box.

I am considering to file bankruptcy, and I was wondering if you would recommend doing that or not.

Honestly, I don't want to do that because I'm very grateful that the banks gave me that money back when I needed it.

So I want to pay it back, but I feel like I just can't.

So I owe, I have five credit cards and two business loans that totals to $123,000.

And I also owe about $35,000 to the IOS and back taxes.

I used to make about $150,000 a year.

And in 2024, I made only $52,000.

In 2025, I made $39,000.

I did start doing all kinds of gigs and delivery and driving for Uber.