The current car is too expensive and should be sold. The plan involves selling the car, borrowing money for a cheaper one, and prioritizing debt repayment over several years, suggesting a significant lifestyle adjustment is required.
"So, that's the plan. That is the plan. I don't see other plan would be big consolidations, but only after change of behavior, but that doesn't get you there. that gets you $200 a month extra maybe. Um, which is not going to pay off debt in any substantial time frame or bankruptcy, but that your credit. So, but closing all the cards would also mess with my credit. Yeah, but not as bad cuz you'll only have access to like predatory loans after bankruptcy or just really bad loans. So, that's the plan. All right, we're going to do our Hammer financial score, but remember to click that join button and join Hammer Elite, the best YouTube membership on YouTube and join us for the post show. Apparently, something is going to happen. I guess her friend made her come on, but her friend is convinced that he can do a better job at me. So, I'm going to call him and I think we're probably going to get in an argument from the sound event. There's also lots of other things that didn't get brought up that we're going to talk about. So, join Hammerly. Three premium shows posted every single day, Monday through Friday. Spending in a budget score zero out of 10. and you overspent debt, no collections, but this is horrendous for your income. 1 out of 10. Emer fund was about a 1 out of 10. Retirement is now a 0 out of 10. Real estates 0 out of 10."
