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[ Music ] >> Brought to you by the EveryDollar app. Start budgeting for free today. >> I'm currently living in hotels. I can't seem to find an apartment. I've been looking for a roommate. What, what should I do? >> You can't seem to find an apartment. Why? >> My credit score is abysmal. >> Okay. Are you working? >> Yes. >> What do you make? >> I take in 87 a year before taxes. >> $87,000 a year. >> Yep. >> Good for you. What do you do? >> I'm an occupational therapist. >> How'd you end up homeless? >> Um, well, I moved from state to state for, for love in a relationship and that did not work out. And, um, my only real option at the time was to find a hotel for temporary housing. And, um, I really didn't have anything saved up. I wasn't prepared. >> Do you have any money now? >> Um, no, because I'm basically spending $2,200 a month, just to keep a roof over my head. >> Yeah, but you make 87,000. >> Yeah. >> You must have a lot of debt payments. Where else is your money going? >> Yeah, so I have a car lease, um, and I have my student loan debt. >> How much are the student loans? Tell me the amounts if you don't mind. >> Yeah, I think they're probably at 275 right now in student loan debt. >> $2,275,000? >> Yes. >> Okay. What else? >> Um, and then, you know, car insurance, my phone, um, and food, that's really what I've got money for. >> Tell me about the car lease. >> Um, and next month? >> Okay, good. >> About $340 a month. >> Okay. >> I'm not even sure if I'm going to be able to get a car by the time that's over. >> So Dave asked you the question, and it was kind of a vague answer. I want to know financially what put you here, because you've got the 275 in student loans. How much is that for you per month with your income? >> Um, it's about $1,000 a month. >> Okay. >> Are you current? >> No. >> Have you been paying it? >> No. >> Are they federal? >> Um, part of them are federal and part of them are private. >> Okay. >> Marie, I'm struggling, okay? You've not paid that. You paid a $300 payment. You make $87,000 and you paid a hotel bill. That's all you've done. Where is all your money going, kiddo? >> Um, it is going to eating out. I only have a microwave here so I can't really cook traditional meals, so I'm eating out and just trying to survive with food and drink and it goes to my phone bill. >> 84,000 is $7,000 a month. Minus taxes, you should be getting $5,000 a month coming home. >> I take home 2,200 every two weeks because I put in about $300 every paycheck into my 401k. >> Well, I reckon you need to stop that. Okay, let's stop your 401k and that gets you to 4,800 then take home pay, which is pretty close to what I'm talking about. And then you can start to, even with eating out and even with a hotel bill, you can still stack some cash. So I'm going to, I can't tell what's going on in the numbers, but numbers generally talk to me because I've done this a long time. So I think what I'm hearing is a highly educated, very intelligent lady whose heart got broken out. Let me take that if we're there, got crushed and you've been in a spiral emotionally since and everything's out of control. >> Yeah. >> Is that right? >> Yes. >> Okay. All right. Because the numbers aren't telling me anything else because you're too smart, you're too intellectually bright to have to be in this situation if you were, if you were functioning at a normal level. And right now you bet you're functioning with a broken heart and it's causing, it's clouding everything. You're spending all of your calories and your emotional energy going over and over and over and over this and feeling ashamed for having chased somebody that dumped you and feeling bad, that the guy wasn't worth your trouble and all the different things or whatever it is we do when we're in your situation and normal humans do it. So you're not a bad person, you're not a weak person. You're just been stomped on and you're hurting and it causes your math to get screwed up. Does that make sense? >> Yeah. >> Okay. Because here's what I hear. You've got plenty of money to go rent an apartment. Lots of places will rent somebody with bad credit on an apartment. You put up a good deposit and you get out of 2,200 a month and you get straightened out. Where did you move from to move to Philadelphia? >> I moved from four keys. >> Where's that? >> New Jersey. >> Okay. Okay. So just down, just a few hours away. Do you have family back there? >> My mom is further south than Jersey down by the shore and my dad is in South Carolina. >> How's your relationship with either one of them? >> Awful. We don't talk. We're not speaking to. >> All right. Here's what I want you to do. Jaden and I are going to help you, all right? We've got Ramsey preferred coaches that we have trained to coach people on finances. Okay? I'm going to pay for you to have one for free as my gift. >> Thank you. >> Because you're hurting and you need somebody to put their arms around you and we're the people that are going to do it, okay? And then I'm also going to have that person recommend you get plugged into a good local church. And between the coaching on pulling the money together to deal with an apartment and to deal with getting an inexpensive paid for car with this lease running out, we're going to get you back to sustainability, okay? But you need some human beings in your life because you're wandering out there in the middle of a huge crowd called Philadelphia completely alone. >> Yeah. >> Yeah. And that's not -- that's not going to lead you to where you want to go. You need community. You need human beings with their arms around you helping you, loving you, and showing you the way. And even maybe helping you a little bit with the money stuff. But we're not going to give you money. We're just going to -- you've got plenty of money. Your money's just out of control because your heart's messed up, okay? >> Yeah. >> And you need to walk with you, kiddo, and you need to get out of this hotel and you need to get out of this lease and you need to throw your shoulders back and get your dignity back because you're worth way more than you sound like you think you're worth. So you hold on and we'll pick up -- we're going to get you hooked up with one of our coaches and they'll plug you into a good church. And between the two, we're going to get you in community and get yourself squared around. Hang on, kiddo. Get your free every dollar budget today, the simplest way to budget for your life.
