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Eric is in san diego hi Derek how are you I'm doing well mr. Ramsey how about yourself

sir better than I deserve what's up glad to hear glad to hear um basically I wanted to

discuss my current situation with saving money.

I'm 28 years old. I make about 105 at my current role and another 25,000 inside work through flipping items.

And I am saving about $3,000 to $4,000 every month after all my expenses.

I don't have like a car loan or anything of that nature.

And sometimes I worry that, you know, maybe I'm not enjoying life as much as I would like because I'm just so focused on saving money and budgeting and calculating my net worth

every two weeks.

So I just want to get your guidance on when you really decide and how you can tell,

you know, that you need to start enjoying life more with the money that you'd say.

One more time, you've got 25 coming in on a side hustle, and what's your core income?

My W2 every year's 105,000. Okay. So you're making like 130K with your side hustle.

Correct. And you're saving like four a month. Okay. Cool. Yes. Yes. I think that's great. You know,

one of the reasons that we walk through the baby steps is it kind of gives you guidance for each area of your life.

And then it also, not only the guidance, but it gives you the permissions to do what you

want to do with your money. So in your case, if you have no debt, right?

You have no debt at all of any kind.

No, I don't have, I have a car that's, you know, 18 years old. Do you have any

debt of any kind? None. None at all. No student loan. My father is sticking care of that.

That's an agreement we had. How much is a student loan? It's 16,000 total.

Whose name is it in?

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