Brought to you by the Every Dollar app. Start budgeting for free today.

James is with us. James is in Orlando. Hi, James. How are you?

Hey, how you doing? Thank you so much for having me on.

Sure, man. What's up?

So I'm having trouble getting to pay off my debt. I've tried many different things, budget apps, different things like that.

And I've just come to the realization over the past few days, actually, that I've just not,

I lack the discipline that really needed to stop living paycheck to paycheck.

And the status part is I have a really good salary.

What's your really good salary?

I make 170.

Oh, that's impressive.

Okay.

How much debt do you have, sir?

Collectively, I have $27,000, $27,000. What kind of woke me up on this is I ignored my debt for years,

and then both of my credit cards were canceled, and I settled one of them, and that was fine.

And then the other one, I honestly completely forgot about it until a few days ago when I received a, I was served because they're suing me for the debt.

And that kind of woke me up where I said, I need to stop pushing things. I think I kept pushing things forever because I said, well, you know, I have a good amount of money coming and, you know, my next paycheck and I'll deal with it then.

But how long you've been making 170, James?

Just for about six months.

What were you making before that?

I was making, I was out of work for about a year during COVID, which really hit me hard.

And so during that, I was doing Uber and making, you know, about $20,000 a year.

...