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Hello guys. Thank you for having me. You're welcome. Thanks for calling in. What's going on?

So I'm actually in a big mess. So I have a back story. I'm a starter so you guys understand.

Okay. About a year ago, I went through a really bad face of depression and, well, I made some

dumb mistakes that I'm now paying for.

I got myself into $70,000 of debt.

I purchased things. I knew I couldn't't afford but I just didn't care at the

moment and well today I'm making roughly about $20,000 a year maybe a little less than that.

I am working on getting my studio my commercial driver's license so I can make more money.

It's just really hard to get

right now. But to break it down for you, I have about 19 or 18,000 in credit cards and personal

loans debt. I have bought a car, a very expensive car, you guys are going to be so angry on me.

How much? It was $50,000 is going to be so angry on me. How much?

It was $50,000. I now own $46,000 on it. And I also bought a motorcycle that I owe like

$5,000 on it. You owe $5,000 on the motorcycle?

Yeah. Okay. Um, which do you want to get first? Do you want to get John's take or do you want to get jade's take you

get to choose but you're going to get both either one all right here's the deal man first thing before

you get going i need you when this call is over to go look in the mirror and look yourself dead in the

eye okay i need you to say the following.

I screwed up, but I'm not a screw up.

The game changes right now.

Okay?

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