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So it's not, it's called for me. I have a buddy that's very financially literate, and they've

made some very poor financial decisions over the last few years. And I guess to start with,

I guess where to begin is they have right now currently

$37,837, $837. Their minimum monthly payments for those debts is $1,343. Their gross monthly income approximately is around $100k a year, plus or minus $1,343. Um, their gross monthly income approximately is about 100k a year, plus or

minus a couple thousand. Um, they have a mortgage. Right now, they're behind one month

on their mortgage. It's so they're currently at $1,500 a month to, well, that's what

they're behind normally. It's 1250. Um normally it's 1250 with all their with all

their basic household bills they're looking at around I think four thousand

dollars a month or forty five hundred dollars a month so my thing for them is

they have two kids they've recently had over the last two years and they find a struggle

to be motivated to go to their job. Well, they go to work, but they allow overtime and he could

workable more than he is now. But I guess the problem with them is they're just kind of stuck in

this whole third about negative $700 a month. So do you have any advice for them? I know right now they're just kind of stuck in this whole. They're about negative $700 a month.

So do you have any advice for them?

I know right now they're doing 8% on their 401ks because the company matches 8.

I'm just trying to help them out if they, if any way I can, I figure that you'd be the first

person to call, but I recommend it maybe.

You're very sweet.

I don't know if you can help them because I don't think they're going to do it.

No, I agree.

I know.

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