If the guest budgets effectively, it will take 22 months to pay off her debt, 2 years to build a fully funded emergency fund, and 2.5 years to become an adult and move out.
"Uh, at the current rate if you actually budget which I honestly don't think you will cuz you're stuck in I don't know I hope you do I hope you do takes 22 months so 2 years that's not bad that is worth it takes less than two years to get a fully funed emergency fund let's call it two and a half years total pay off debt get a fully funed emergency fund move the out become an adult"