Brought to you by the Every Dollar app. Start budgeting for free today. I am just starting the

new year off the right way with trying to get out of debt. I'm following the baby steps.

I just don't have a lot of accountability and I need direction. And I really wanted to make a big

deal about this. So I wanted to call the show and get some professional advice from people that

I trust. Well, I'm going to go news for you because I'm sitting next to the budget queen.

Not the dancing queen.

There it is. Do your thing. I think this man needs to know how to figure out a budget.

First off, Christian, I love that you're understanding the importance of accountability to the point where you're like I'm going to call on the show.

People are going to hear it. I post about it on social media.

I actually really like that.

Some people kind of like to do their goals in the quiet and in secret.

And I, listen, I'm no psychologist.

I don't know.

But I have a feeling around that.

I think that when people do their goals quietly,

it's because they're afraid that if they don't accomplish them or if they fail, no one has to know, right? And so I love the accountability of you saying,

no, I'm putting it out there. So my question is, what is it that you're trying to accomplish

and what is it, what is the thing that you're worried about being a roadblock for you accomplishing it?

Well, I've never really been good at my finances in the past, keeping a budget,

keeping up like a record of my finances.

And I'm about 90,000 in debt.

It's 35 of it. 35,000 is an auto and the rest of it is credit card.

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