Brought to you by the Every Dollar app. Start budgeting for free today. Today's question comes from

Anonymous. I haven't heard from Anonymous in a while. He used to write me all the time.

Usually doesn't have nice things to say. But let's see what Anonymous in Arkansas says.

It says, how do you learn discipline?

I spend so much of my income on going out to eat.

I work overnights at Walmart and make $20 an hour, but my bank account always is a race to zero.

I borrow money from my paycheck before I get it and use apps like Dave.

Yeah, there is one.

It's not mine. Oh, to get cash advance? Is it really named Dave. Yeah, there is one. It's not mine.

To get cash, oh, to get cash advance?

Is it really named Dave?

Yeah, they did that on purpose.

Oh, no, Dave.

Oh, gosh.

It's a cash advance app.

$5 for an instant deposit.

I feel like I can't get out of this $3,000 credit card hole that I'm in.

I also owe the IRS around $4,000. If I was disciplined

with my money, I wouldn't be in the spot on 27. I need to get my stuff together.

Wow. Anonymous, that is a very, I think you have your stuff together. My dad used to tell me that when you recognize a problem, 90% of the problem is solved.

And so I think you're on a really, really good path here. I did the same thing anonymous.

During the Fauci pandemic, I ate every donut in a 50-mile radius, and I looked down and there was a thing growing on the front of me.

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