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I just started listening to this show and I realized I'd need to make some changes. And so I was just calling for some advice.

Well, the good news is this is as bad as it's going to get. It's going to be easier from here on now. How much debt do you have? I've got about $300,000 in debt. Okay. Break it down for us. It is, most of it

student loans. I got about $220,000 in student loans. And then the rest of it is IRS debt. I have about $80,000 in taxes on that I said pay back.

Wow. Were you self-employed? How'd you rack up $80 grand to the government?

Yeah, so I ended up in both of these situations after college and term pro at golf and I traveled around playing golf. And this year I got audited for I've been

using a schedule C I got audited for all my tax years from I don't know 2015 16 something like

that and the auditor felt as if it didn't cost as much as it does for me to play.

So I had some losses on some of those years, and so he disallowed all of my schedule

fees and then said, I owe this money back.

Okay.

So that's kind of how I ended up in that part of the situation.

And then the same thing with the student loans is like, well, I was traveling in the world

and traveling the country playing. Obviously, I wasn't paying back my student loans. Yikes. It's just rack it up. What was your degree in? Meet every dollar budgeters Christy and Steve. They used to fight about money. I'm the spender. I'm definitely the saver. Now that they budget with every dollar, they're on the same page. Money is definitely one thing we do not ever fight about. Having the budget gave me the permission to spend. Knowing that the money is in each category, it just allowed us to work together better. Now that's what we call a win-win. Now we just have to pick paint colors. We can't help you with that. Every dollar, create your

free account today. What was your degree in? I got a bachelor's in business management. I have an

MBA and then about, well, I was about halfway through a PhD. Wow.

And I decided out at a point that it was time for me to stop that once I started, you know,

listening to you guys, I realize all I'm doing is continuing to borrow money and put myself in a deeper hole and I don't believe based on what I do for a living.

Are you still golfing professionally?

I am still doing it, but I'm doing it in a much different way to where I'm just doing

stuff locally.

And if I can get to the point to where I'm, you know, playing at a high level to where I

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