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So I'm on baby step number two, and my question is, how do I implement it properly if my budget only allows for minimum payments?

Something's got to change.

So your income has to go up or your outgo has to go down.

We've got to sell something that's got dead on it.

What do you owe on your cars?

So I made a couple of bad decisions in the last year.

$123,000 of this bet has just, I've just accumulated in the last year.

On what?

Vehicle. So I have about $1. has just, I've just accumulated in the last year. On what? My vehicle.

So, um, I have about, I had a couple of bad decisions that I saw a year ago. I was in a good financial space.

Um, and I, I had a rental income, uh, rental property that needed some work.

And I took out a $40,000, um, key lock so that I could do that work from that property.

I also bought a new vehicle, well, a new to me vehicle of 2023, and I owe $28,000 on that.

Okay.

And what's your household income?

And then, so my household income has changed.

In the last six months, I lost my dad, I lost my job, and I separated with my husband.

Oh, my gosh.

I'm sorry.

So my income is around 75,000

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