Noelle

So essentially, uh, my question is, um, you know, I've, I've been listening to your show, uh, for a few days. I've been binging on it quite a bit now. Um, a couple of your other podcasts and, uh, you know, I've been contemplating bankruptcy. Uh, it's been something that's in my mind over the course of the last couple of months. Um,

And I'm just trying to see if it's a better option to throw in the towel and do that or to continue attacking my debt aggressively based on what I've learned so far on the show.

And I'm just trying to see if it's a better option to throw in the towel and do that or to continue attacking my debt aggressively based on what I've learned so far on the show.

And I'm just trying to see if it's a better option to throw in the towel and do that or to continue attacking my debt aggressively based on what I've learned so far on the show.

Okay, so I make approximately, I got two sources of income. One is my job, which gives me roughly about $81,000 a year. And then the other one's disability compensation, which is about $56,000. So about $122,000, $130,000 a year. Okay. And then as far as debt is concerned, I have about $80,000 in debt. Three of them are personal loans. Well, two of them are personal loans.

Okay, so I make approximately, I got two sources of income. One is my job, which gives me roughly about $81,000 a year. And then the other one's disability compensation, which is about $56,000. So about $122,000, $130,000 a year. Okay. And then as far as debt is concerned, I have about $80,000 in debt. Three of them are personal loans. Well, two of them are personal loans.

Okay, so I make approximately, I got two sources of income. One is my job, which gives me roughly about $81,000 a year. And then the other one's disability compensation, which is about $56,000. So about $122,000, $130,000 a year. Okay. And then as far as debt is concerned, I have about $80,000 in debt. Three of them are personal loans. Well, two of them are personal loans.

One's my vehicle, and the rest is on credit card debt.

One's my vehicle, and the rest is on credit card debt.

One's my vehicle, and the rest is on credit card debt.

So the most expensive one is $38,000. That one has about a $616 payment per month, and it's stretched out over 15 years.

So the most expensive one is $38,000. That one has about a $616 payment per month, and it's stretched out over 15 years.

So the most expensive one is $38,000. That one has about a $616 payment per month, and it's stretched out over 15 years.

That one was a home improvement loan that I took out back in 2022. I was in the middle of a remodel of my house.

That one was a home improvement loan that I took out back in 2022. I was in the middle of a remodel of my house.

That one was a home improvement loan that I took out back in 2022. I was in the middle of a remodel of my house.

So I took that money for a remodel.

So I took that money for a remodel.

So I took that money for a remodel.

And the second personal loan? The second personal loan was a debt consolidation loan. It's roughly about $29,000. And then the third one is the vehicle, my truck, which is about $26,000. And then the credit card debt is roughly about $10,000 or $13,000.