Sean Pyles

And I think I mentioned this before, but I didn't grow up with like tons and tons of money.

I never really made a lot.

At one point in my early 20s, I finally got a job where I was earning as a contractor $7,000 a month, which felt like a million dollars to me.

And I would get just like a straight check once a month.

And that was all my spending money.

I was living in San Francisco.

I was probably 21, 22.

And I was just having the best time of my life.

And besides paying my rent each month, I wasn't looking at my expenses at all.

I overdrafted semi regularly.

That still didn't stop me from going out.

You would think that I would have had some kind of level of caution or reserve or thought at all about what I was doing with my money.

But I was just so focused on that.

Continuing to enjoy my day to day life in this amazing city with my new friends and my great job that I just kept things sliding and sliding and sliding and overspending until a year after I got this job, I had to pay my taxes.

This was before quarterly estimated taxes were required by law.

So I ended up with just this one big tax bill that was free from those penalties because they didn't exist yet, fortunately.

But I still owed a lot more money than I really had.

So I finally had to log into my account and see what I had.

I can't tell you because I don't know.

I wouldn't log in.