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Kevin is in Austin, Texas. Hi, Kevin. How are you?

Good. How are you? Better than I deserve. What's up?

Hi. So, I don't know if you can, you can hear me clearly, right?

I'm 30 years old and I have made a few questionable investments that, you know, I spent most of my life saving up and getting ahead.

I saved $34,000 over college and my early adulthood.

And long story short, I ended up losing everything in penny stocks that someone I knew suggested

me to.

And now I'm back at my mom's house with my wife and she's not too happy about it. And I'm just trying to. Do you lose your house and everything? I was renting an apartment. Okay, gotcha. How old are you? Do you not have a job? I do, I do. I'm actually a manager at an In-N-N-Out.

I don't know if you've ever been before, but...

Oh, we just got one here.

They just moved into the neighborhood. But the... The Flying Dutchman's great. Corporate offices across the street. But anyway, so the... Wait, minute. You were a manager in and out when all this was happening?

No, so I actually worked at, I had a full red scholarship through college,

and I worked at Wendy's and other like fast food joints, and I saved up a bunch of money.

$34,000. Yes. But you were not living on the $34,000 when you were doing all of this. You

were living on your income, were you not?

No, that was just my savings.

Okay. My point is this. There's no reason that you're at your mother's if you didn't lose your job.

You just lost your savings.

Yeah, well, the thing is, I have a bit of debt. I have a few different cars and I don't have really enough

money to afford any kind of like, you know, anything food related or going out to have fun.

...