brought to you by the every dollar app start budgeting for free today uh yeah uh i just kind of got

myself into a little bit of a pickle and kind of you know entertain different ideas of how to get

myself out here okay so i got myself a he lock back in uh you, good old days of 2020 with the good rates.

I got my house loan down to a 2.375 on a 20-year loan. We only have 16-year loan left.

But my HELOC is now sitting at 100,000 at 9.5%. So what I've done with that was I actually quit my job and kind of start up my own thing,

doing a service company.

So I took some of that heat off to help me get started with that business.

And the business has been going for about two years now.

We kind of, you know, we're plateauing

because of this interest rate, paying, you know, $900, almost $900 a month and interest only

on that heat lock. So what I've done is I've reached out last year to a capital with a credit

kind of type of company. You know, they got me about $50,000 in credit

cards through the business. We did a balance transfer at zero percent.

You keep thinking debt is the next answer to get you out of debt. You understand that?

I know. You're correct. Yeah, and I got to get out of this cycle before, you know.

So what is your next step? If you didn't call today, what were you about to do?

Get another credit card and transfer more over, trying to keep that repetitiveness, unfortunately.

I've tried to look around to see small business loans or even higher percentage than my

HELOC.

Josh, zoom out.

Yeah.

Have an out-of-body experience.

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