The guest is advised to bring in an additional $1,000 per month to pay off debt within two years, after establishing a fully funded emergency fund of $4,000.
"Bring in 5,000 a month, being able to put a,000 towards the debt and paying off all debt within a couple years. That's fine. However you choose to bring in money as an adult, I do not care. I'm not going to enable and support it. But if you can put $1,000 to debt towards a month, you can pay this off in a couple years, then do a fully funded mercy fund and you'll be fine."