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I always said I wanted to retire about it. I'm almost 40. I am almost 40. Wow.

It's an aggressive plan. My dad did it twice before he turned 40 and I'm just like,

wait, wait, wait, hold on, He retired twice. What do you mean?

So he retired from the city and then he retired from boxing. So he like got to retire twice before he was 40.

Was he a pro? You said boxing? Yeah.

Like he was a professional boxer?

Yeah, he was like semi-pro. That's pretty cool. That's legit. Did he have to do it to earn money? Yes. Okay, so he didn't really like get to retire. He was semi-retired while semi-pro and then fully retired. Yeah. Okay. I'm just trying to relieve some pressure for you of like the reality is. Is that where this idea came from then? You're like, I want to be like, dad, I want to retire by 40? Well, it inspired me, yes. Okay. I've always been like an overachiever or car. I'm like, yeah, an aggressive goal, you know, of something big that you're like, I want to work for that. I get that. Okay, okay. Perfect. So, yeah, how can we help?

So I ran into a financial situation. It's not a lot of debt. It's like $44,000 worth of debt. And I make about 60. So I want to pay this debt off.

What kind of debt is it?

It's like 20,000 in a car, like 4,000 about in personal loans, and like 2,000 in my son's private school that I still owe.

And, oh, credit cards, like $16,000 in credit cards.

Ooh, this doesn't feel like a recipe to early retirement.

Like, if I was trying to retire early, I'd probably go, hey, I'm going to make sure I don't owe people money and have money saved on top of that.

I know.

So how long has this been floating around?

How long have you had this debt for?

So I filed a bankruptcy about two years ago.

Oh.

This was when all of this started.

So all of this debt was post-bankruptcy? or did it get, were you on a payment plan?

What happened?

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