I brought to you by the EveryDollar app. Start budgeting for free today. I'm in a big pickle right now. I just lost my job and I have a lot of debt that I don't know how I'm going to pay that off. That's scary. How old are you? I'm 19. Whoa, you on your own? No, I still live with my parents, but I made some pretty terrible decisions in the last couple years. Okay. What kind of debt have you got, sir? I have a car loan about 24 grand and then I have about $5,500 worth of credit card that I still don't know how I'm going to pay this stuff off. So what happened to lose the job, tell me about it? So I came into work and then they told me that they didn't need me and then he basically just relieved me from my job and then that was two days, so. What were you doing? I was a manager at a travel stop. I was in charge of supervising employees doing paperwork, things like that. So they do need the job done. They fired you. Why they fired you? They told me it was because of performance and they found somebody better suited for the job. Anything about that that you learn? What would your take away from that? To be honest, I don't even know. You felt like you were performing. Yeah. Okay. And I just don't know what happened. It was just confusing to me. Yeah. What were you making? I was making around 40 grand a year. How are your parents doing? If you'd be in there and job loss and everything, how's your relationship? They're good for the most part. It's just trying to find another job before I lose my car or anything like that. So you owe 24 on the car. Have you looked up what it's worth? Yeah. The car is worth 18. The last time I checked on Kelly Blue Book. And who do you owe the money to? Who's the 24 with it? It's Kia Finance Company. So it's a high interest rate. Yeah. What's your interest rate? Actually, I want to say it's high. It's by like, I think it's 8% less on my checked. Is this a local finance company? I don't know. They have a branch near you? They do not. Okay. So you just bought this from a dealer and they stuck you in this crummy loan. Yeah. Yeah. Okay. Because you're 19 year old and they screwed you. Okay. And you bought a car you used in a bot and you know that, right? Yeah. Yeah. Yeah. Okay. All right. Okay. So how's the job hunt going? I'm really not getting anywhere that I worth, folks. It just isn't going to work for me. I just don't know what to do. Okay. All right. Does Uber have a 21 year limit? Yeah. I know for sure. Uber does. Does DoorDash? No. Okay. I'll be dashing doors as soon as you get off the phone, dude. Might as well run the wheels off this $24,000 car and go make you some money. I want you. I don't listen. And listen, come Friday night and Saturday night, your butts working. You're not partying. Okay. Okay. Yeah. And period, you haven't got, you haven't any money to socialize and you don't have any time to socialize because you're broken. You're calling me afraid. So you can't go hide that fear in a party. You got to go. You got to go get her done. You got to go leave the cave, kill something and drag it home. You can do it. I know you can. And your performance this time is going to directly cause your income to go up. So I'm going to do it dash doors and I'm going to talk to three pizza places before nightfall today, the three neighborhood pizza places regardless if they're a chain, a known franchise or a local and ask them if you can deliver pizzas for them today. I want you standing in their lobby. I don't want you on the phone. I don't want you on their website and I certainly don't want you texting or some stupid butt email. I want you standing in the lobby with your beautiful smile and your hair combed and you go get some jobs. Okay. You can do that, can't you? I know I can do it. Yeah. I mean, you got, you got three or four hours before they, before a dinner time. And Logan, we just talked about this in the last segment about how there takes humility to step into something new and I'll say this Logan, I would think as a 19 year old guy, he went and got a salary job, 40 grand a year. You're kind of like, this is awesome. And then you're like, no, I door dashing and pizza delivery was not what I'm supposed to do. My next step is supposed to be even better than where I was at. But I think it's during this time, it, you're back to like four or five side hustles put together throughout the week and working seven days a week until you land a good job. Until you land a good job. So still, that's right. I'm not saying you're a good point. Yeah. So just keep applying. This is going to be, it's kind of a hit to the ego to be like, I'm a, you know, I'm delivering pizzas when I thought I was going to be having an, you know, some corporate job or whatever you were thinking you were going to be doing. So again, what you're doing, anything that's honorable to make money till you get a good job. Yeah. Yeah. Yeah. Here's, here's what happens. Okay. Let me, let me tell you why I'm telling you to do this because when you're broke and scared and terrified, I can hear it in your voice and so can everyone listening right now. And when you go into a job interview, you sound desperate. You walk desperate, you, you scream desperation and they're not going to hire you. But if you've got cash stacked from door dash and pizza, your car payment is there and you got $2,000 in the bank until you get into the job. Now you swagger into the interview and your confidence is good, not cocky, but you're not, you're not screaming desperation and terror in the interview because an interviewer can smell this. You follow me? Yeah. And I'm trying to get that stink off of you so you can go win. And the way you do that, you get a little bit of margin between you and the wolf that's barking up your butt right now. You're getting your butt chewed off by that car payment thinking you're, you're thinking I'm going to get repode, trying to keep from losing the car. I heard you say it and I don't blame you. I appreciate that fear of that. But let that fear be a motivator. Your first step is stack some cash to change the way you walk and talk in an interview. And then your next step, I'm going to send you Ken Coleman's book, Proximity Principle. And they get clear. And they get clear assessment. Good, Rachel. And we'll do that in the, and I want you to take all of that stuff for your long-term career goals. And I want you to read everything on Ken Coleman dot com on his website about how to get and land a job and go get that and solve this. And then learn from this process to never be in this situation again. Oh, and by the way, when we get to the other side of this, you need to have $6,000 so you can sell a stupid butt car and pay it off and get rid of it and get you a $5,000 car like a 19-year-old should be driving this broke. Or that anybody should be driving this broke. I will tell you the thing that I was telling that last caller, our 19-year-old friend there, and that I, when you encounter fear, not if you encounter fear, but when you encounter fear on something, there's, I guess there's several possible reactions, but two come to mind right now, one is you go into fight or flight, right? You either are going to attack and do something active or you're going to freeze like a deer in the headlights. And for those of you who have heard the saying deer in the headlights, we live in Tennessee literally when a deer is caught in the headlights, they freeze and the stupid animal will stand there and destroy your car. So and their life and their life in the process. Yeah. And so by the way, I can be, I can be real total a car. I'm just saying, because they freeze, so there's a three things, fight, flight and free. Well, flight is freeze. I mean, it's, it's the same category. I mean, it's forward about this. Yes. So what I have discovered though, especially on financial things, you're like losing your job as an example or just waking up one day and going, oh, we're about to be repode because we're so freaking out of control here or we're about to lose our home or we're going to retire and have to eat Alpo or whatever it is you discover that's on your doorstep that scares the P watt P at P wadden out of you. So if you're in that situation, I have always found that the best reaction is not flight and not freeze, it is attack and everyone wants to get all analytical while you're in the middle of this. And that's a form of freezing and George Patton said it beautifully. He said a good plan violently executed now is better than a perfect plan executed next week. So when you're in that situation, square your shoulders, lean into it and get after it, even if what you're doing is not perfect, like you're doing things you don't want to do in terms of, I don't want to be in a career where I'm door dashing for the, you know, when I'm 35 years old at starting at 19, right? You know, that's something you don't want to do. But I've done a whole lot of things in the name of activity because activity solves these things more than the freeze does or the flight. You can't run away from it. It'll chase you down and you can't freeze and stand in the road, you'll get run over. So you've got to go into attack mode, even if the plan is imperfect. And trust me, you're terrified, your plan will be imperfect. But the other two are, are a death nail. You've got to get it. You got to lean into it and get it. And when you look back later, that sheer activity will change your, your neural pathways. It will change your attitude. It will change your spirit, uh, I feeling blue and depressed. One answer for that, not the answer, not, it's not a psychological, Dr. John Deloney might not agree. But one answer for that is activity. Well, that's why they even say exercise is always a company with solving depression. Yeah. That's what I'm going to say. That's why they say, like if there's, if there's major anxiety, go for a walk, like go out, like move your body. No, I think that that is sunshine. Yeah. I mean, there's sunshine and exercise. Hello. That is the last fact that is just go get a job, like the 19 year old do it, do something, sitting and saying, Oh, this is bad. I don't know what happened. And I'm, you just, you're standing like the deer in the headlights then. And so, and it's, it's not because someone has a lack of character. It's because we, we, uh, you're paralyzed. Well, fear, fear, you're going to deal with the fear. You just got to decide on purpose how to deal with this, what I'm suggesting, create Get your free every dollar budget today, the simplest way to budget for your life.
