Brought to you by the Every Dollar app. Start budgeting for free today. Hey, I really need help. I need

help with my financial discipline. I moved my back home this year. My parents told me that I have

this year to fix my finances. I make $105,000 a year and totally'm totally in debt $121,000 in debt.

They allow me to pay a rent of $400 a month for the rest of the year for me to get back on my feet.

What's the debt, man?

What is the debt of?

Yeah.

It's $8,000 in credit card, $37,000 in an auto loan, $57,000 on student loans, and $19,000 in that line of credit.

What'd you buy with the line of credit and the credit cards?

So the line of credit was to consolidate my debt from my divorce because I got assigned the debt because I made substantially more than her.

And then the credit card is just debt that I've been carrying for the last probably 10 years.

When was the divorce final?

Five years ago.

Okay.

And so you've not done anything about cleaning up the mess from five years ago yet?

I have mine.

That's why my discipline has been absurd. When did you buy the

$37,000 car? So that was actually even worse. What happened was I actually bought a $72,000 car.

And within a month, I realized that I wasn't going to be able to afford it. So I took it back to

the dealership because my monthly payment was going to be $1,400 a month and I was able to get into another Mercedes that was, I could

roll that negative equity to, which was $56,000 and so far I only owe $36,000, but my monthly payment

on the car is $800 a month. So you owe $37,000 now and the car is worth what today?

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