"Are You Going To Argue With Me Over Something That Stupid?"

0:00Brought to you by the EveryDollar app. Start budgeting for free today. I am about 20 years old with about 50 grand in debt. Wow. 30 of that being a car loan. Three of it being from a square loan from the business that I shut down here recently. And some of it medical, like just outstanding medical debt. I mean, I was in motorcycle accident three years ago that I saw them paid. I owe a friend of a family friend about three grand. I owe like a tire shop almost two grand. I guess my question that I want to ask you today is like, I don't know where to start with this because it feels like a lot. And I truthfully don't know where our lot of the debt is. I owed a Durham mythology group, sorry, like 800 bucks. And I owe like other medical companies money. And I just don't know exactly where all that debt is

1:02where the creditors are like every now and then I get calls. Yeah, Michael. And it's just how how has your life been so chaotic in the last two or three years that this has happened? And because it sounds like you're just spiraling, man. Sounds like chaos. Yeah, I agree. Yeah, truthfully it is. And two years ago, I started my own business with my best friend. We found a building we'd go into. And truthfully it just kind of took off like crazy. And then it didn't. Correct. I had bought them out of the business, went solo. I got in some trouble, small trouble with my previous account. I even owned my previous account, 800 bucks. And they didn't know work for me. They followed my taxes late for me. So I'm finally out of the tax that I had them play at the time. I guess. So at the end of the day, you really weren't making a lot of money because all the bills weren't paid

2:04unless you were spending it on cocaine or something. Where did the money go? So honestly, I was really bad at saving. And I wish I did it better if you're not saving her. I mean, you got these little $800 bills that aren't paid. So you probably weren't actually making any profit. Where are you? Honestly, it sounds dumb, but I was. I was making it. Well, then where would you say the money went? In 20. Where would you say the money went? Stop food every day. $120,000 worth of food? $120,000 worth of food. I wouldn't say it's all food, but a lot of just really small spending that just leaked. I decided to get a German shepherd last year. I just, you're going to kill me for this. I just traded in a 2023 Tesla Model 3 just last night for a truck because the Wisconsin winners, obviously, an electric vehicle is not going to do. Last night, like literally like 12 hours ago? Yes, you're like quite literally last night. Michael, Michael, you said you've been listening to the show.

3:06I have been, I know, I know. I know. OK, what are you doing? What are you doing? OK, Michael, Michael, Michael, what are you doing right now for a job? What are you doing? I currently work for a automotive supplier. I make a base salary of 45 a year. After commission, give her cake, it's about roughly 50. OK, and you just bought a $30,000 car. Yes. You need to call them back on and tell them to cancel the transaction that you're not going through with it. As soon as you get off the phone. So what my thing is is I traded in my old car for you. Are you going to argue with me about something that's stupid? You're really not going to argue with me about something that's stupid, are you? Please tell me that you want to have a better life than you have. You keep doing stupid stuff. You're going to have a stupid life, honey. That thing last night was absolute freaking brain damage. You understand that?

4:06Yeah. I mean, dude, really, I love you. But good God, that was dumb. So can I see my point of view really quick on that? Not really. You can just call them back and cancel the transaction or you can have a good life. Create your free every dollar budget today, the simplest way to budget for your life.