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I'm 26. I'm in New York City, and I found myself in close to $15,000 in credit card debt,

unemployed and renting a shoebox, 184 square foot apartment for 2750 a month.

And, you know, I'm not, I know I'm not the first person to find myself in this hole,

but I just don't see a way out of it.

And, you know, my best ideas at the moment are take out another credit card with a 0% AP on balance transfer for, I don't know, 12, 21 months and just push this debt down the road.

That's your best idea?

Well, you know, we'll get to some of the backstory if you want, but, you know, that or do I, you know, at 26 years old, is it worth just looking into filing bankruptcy?

Are you a New Yorker or did you move there to try to pursue something?

No. So I came here on a suggestion because I had, I was at complete rock bottom and I had nowhere else to go.

And somebody else was willing to float the first six months of my living expenses to be here.

I got out of my third residential rehab program for drug and alcohol abuse.

You know, I just made it to 18 months clean and sober for the first time of my life. Wow. That's impressive. So, yeah, I'm very proud of that, you know, and I'm, you know, like, diving into spirituality and, you know, trying to strengthen a relationship with God and can't, you know, I can't believe that I got here.

And now I'm like, what the hell would I even start?

I have just no financial literacy that was never part of my upbringing with my parents.

And I'm just feeling, feeling screwed.

Yeah.

What was it, what were you doing?

What was the work you were doing before it went sideways?

Yeah. After applying to every entry-level position, I was given a job by someone in a 12-step recovery program. He owned a bit of a canine concierge service, and he allowed me to walk dogs for him.

Wow.

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