Robert

Hi, thank you for taking my call. So my question is, I am a stay-at-home mom and I haven't worked in a long time. My husband and I, we are in debt. And since I've been starting watching your content, I am just done with it. It's working. Yes. It is. So this year I am being very intentional. Um, we have about $18,000 in credit card debt and his truck is about $45,000 every home.

Hi, thank you for taking my call. So my question is, I am a stay-at-home mom and I haven't worked in a long time. My husband and I, we are in debt. And since I've been starting watching your content, I am just done with it. It's working. Yes. It is. So this year I am being very intentional. Um, we have about $18,000 in credit card debt and his truck is about $45,000 every home.

Huge, um, huge payments, almost a grand a month. Um, so yeah, so I, I just want to get those credit cards out of the way, get his credit better, maybe refinance the truck, um, get better interest, you know, and, and see the money because he makes, okay. Like he makes about $12,000 a month and we are just getting by the money comes in. The money comes, goes out next month, start from zero again.

Huge, um, huge payments, almost a grand a month. Um, so yeah, so I, I just want to get those credit cards out of the way, get his credit better, maybe refinance the truck, um, get better interest, you know, and, and see the money because he makes, okay. Like he makes about $12,000 a month and we are just getting by the money comes in. The money comes, goes out next month, start from zero again.

Huge, um, huge payments, almost a grand a month. Um, so yeah, so I, I just want to get those credit cards out of the way, get his credit better, maybe refinance the truck, um, get better interest, you know, and, and see the money because he makes, okay. Like he makes about $12,000 a month and we are just getting by the money comes in. The money comes, goes out next month, start from zero again.

So, uh, since December, um, I haven't worked since 2013. Um, and I don't intend to work. He likes this. I do too. It works for our family, but I got a side gig, just helping a friend for a couple of months, you know, I'm making about $230 a week. And then I said, well, this is going to go towards credit cards because we just going to bang these credit cards.

So, uh, since December, um, I haven't worked since 2013. Um, and I don't intend to work. He likes this. I do too. It works for our family, but I got a side gig, just helping a friend for a couple of months, you know, I'm making about $230 a week. And then I said, well, this is going to go towards credit cards because we just going to bang these credit cards.

So, uh, since December, um, I haven't worked since 2013. Um, and I don't intend to work. He likes this. I do too. It works for our family, but I got a side gig, just helping a friend for a couple of months, you know, I'm making about $230 a week. And then I said, well, this is going to go towards credit cards because we just going to bang these credit cards.

I don't want to see these payments anymore. Um, And the money is just going into the account and disappearing with our normal bills, you know? And I'm getting very frustrated because I'm like, I'm, you know, I'm doing this. It's a little extra and it was supposed to get the credit card. So anyway, being in that, um, also one of my huge goals was to go back to homeland to see my family.

I don't want to see these payments anymore. Um, And the money is just going into the account and disappearing with our normal bills, you know? And I'm getting very frustrated because I'm like, I'm, you know, I'm doing this. It's a little extra and it was supposed to get the credit card. So anyway, being in that, um, also one of my huge goals was to go back to homeland to see my family.

I don't want to see these payments anymore. Um, And the money is just going into the account and disappearing with our normal bills, you know? And I'm getting very frustrated because I'm like, I'm, you know, I'm doing this. It's a little extra and it was supposed to get the credit card. So anyway, being in that, um, also one of my huge goals was to go back to homeland to see my family.

I haven't seen my family in about, um, 16 years. Where's home, Roberta? It's Brazil. I'm from Brazil. I was born and raised in Brazil, and then I moved here in 2008.

I haven't seen my family in about, um, 16 years. Where's home, Roberta? It's Brazil. I'm from Brazil. I was born and raised in Brazil, and then I moved here in 2008.

I haven't seen my family in about, um, 16 years. Where's home, Roberta? It's Brazil. I'm from Brazil. I was born and raised in Brazil, and then I moved here in 2008.

Hi, Dave. Hi, Dr. John. Net worth is just over $1.1 million.

Hi, Dave. Hi, Dr. John. Net worth is just over $1.1 million.

Hi, Dave. Hi, Dr. John. Net worth is just over $1.1 million.

Mm-hmm. So $475,000 in retirement. Mm-hmm. $325,000 in real estate. Mm-hmm. $100,000 in checking, savings, emergency funds. Mm-hmm. $70,000 in mutual funds. Mm-hmm. $70,000 in paid-for vehicles.

Mm-hmm. So $475,000 in retirement. Mm-hmm. $325,000 in real estate. Mm-hmm. $100,000 in checking, savings, emergency funds. Mm-hmm. $70,000 in mutual funds. Mm-hmm. $70,000 in paid-for vehicles.

Mm-hmm. So $475,000 in retirement. Mm-hmm. $325,000 in real estate. Mm-hmm. $100,000 in checking, savings, emergency funds. Mm-hmm. $70,000 in mutual funds. Mm-hmm. $70,000 in paid-for vehicles.