$400,000+ Of LGBT Debt | Financial Audit

"If we're getting late on our mortgage, that is just suggesting that you are putting yourself in a dramatically dangerous position, especially with such a strong income. Like you shouldn't even be in a world where something is ever late."

"one thing I would consider doing is selling this private sale, getting $10,000 car, and getting a $10,000 loan on that. Getting that car. Don't trust me. I know the first thing you're going to say is, "Oh, it's going to be a beater.""

"We'd want you to be around probably 112,000 right now. Yeah. Cuz by 30, you should be a minimum one times your retirement."

"I'd get a 1 to two month emergency fund before that. Maybe two months because you have a mortgage and a lot of your stuff sounds commission based. So maybe a two-month emergency fund. Then we start tackling the debt. Pay it off in about four years by funneling your raises to it. Pay off your smallest debt to your largest debt. Smallest balance to largest balance."

"Those traditionals usually don't even give you enough if you want to maintain your lifestyle in retirement."

"If you want more percentage-wise to go to fun, you do not take it from your retirement. You take it from your needs. You cut down your life if you want to have more fun. But you never cut down retirement cuz you need to be able to retire."

"Debt, at least you don't have collections, but you're late on everything. Give you a one out of 10 to be generous cuz there's no collections or IRS there."

"Retirement, emergency fund, nothing. Zero out of 10."

"It's at a payment you can afford. That helps, but I'm going to negate some points for the weirdness that you have. Four out of 10. That'll go up once you pay off those other debts pretty easily. That'll boost your score."

"It's going to be a Hammer financial score of rounds it up just barely to a two out of 10."