A (1:54)

Yeah. Okay. And so a 20% raise is $7,000. That sound right? Yeah. 20% of 33. Okay. And so, yeah, the. So you break even after one year.

B (2:21)

Okay.

A (2:22)

If you spend $7,000 to get a truck and he pays you 20%. How long have you been working for this guy?

B (2:30)

Well, so, so he's the one that trained my dad. I've been working for my dad for ever since I'm 20. I'm 28. I've been working for my dad off and on since I've been 15. Um, I, I recently had a life destruction event and have been literally have started working last week back in this job that I have. Like.

C (2:50)

What's a life destruction event?

D (2:52)

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C (3:28)

What's a life destruction event?

B (3:31)

I. I had a mental health crisis. During the mental health crisis, I. There was. There was family violence happening between me and my wife. I got put in prison for that. Even though in Texas there's supposed to be provisions for preventing. For helping people with mental health to not just put them in prison. But that didn't happen with me.

C (3:52)

How long were you. How long were you away?

B (3:56)

Two years and a month. And then I got a violation and was back in for another five months. So I'm back out a week now. So. Okay.

A (4:06)

No.

C (4:07)

Yeah. Don't borrow money, please.

A (4:08)

You do not need to borrow any money. You're coming off of a highly unstable situation and you haven't stabilized yet. At least we don't know that. We hope you have. And you hope you have. Okay. If you told me this was all three years ago, it might be a different discussion. It wouldn't be a discussion about borrowing money. Would be a bit. A different picture. But instead we're three minutes into this, not three years into this. So you need to sustain a life with very little stress and adding debt to this is not the thing. So thank you, boss, for the new job. I'm sorry I'm a minute out of prison and I don't need to be borrowing money right now. I'll have to drive your truck for a while longer until I can save up and pay cash for something.

C (4:57)

How long till you can save up six grand?

B (5:02)

That's kind of. That's kind of the issue. The all my money is basically kind of breaking even in my every $0 budget.

A (5:09)

Where's it going?

B (5:13)

One second most biggest expense is $300 in gas and I'm spending about 105. I'm purchasing about 105 gallons a month. Come on though, please. Cool.

A (5:26)

How much is your rent?

B (5:30)

That's it. Me and my wife are currently separated she has a 500 rent, I have a 250 rent.

A (5:36)

You have to pay the 500 rent?

B (5:39)

Yes.

A (5:39)

Why

B (5:42)

currently? Because we have. We have two kids. She's basically stay at home. Her family sometimes helps, but if I'm paying the stuff, she doesn't ask for the money. And currently, because of the family violence, there's a no contact order. So I cannot coordinate anything with her. So I'm kind of defaulting to doing everything, basically.

A (6:00)

Yeah. Well, I'm going to help you. You don't have to do everything. You need to make sure the kids have something to eat. But she also is going to have to bank a life without you. And that means she has to develop a way to live sustainably without. Without you feeding her. Okay? So, you know, right now we've got to get you up and stable. So you're 250rent, even 500 going out for her. Still not used up all your money. So you've just started. This is real fresh. Thomas, please don't go borrow money to buy a truck to work for a guy that you've been working for for 10 minutes even though you've known him 100 years. This whole thing, everything in your life has been quick and sudden and fast, impulsive. And I want you to slow down and just be boring for a while. That's no excitement. You've had enough excitement to last you the rest of your life. Just be boring. Thomas.

C (7:06)

Can I paint you a picture, brother?

B (7:08)

All right.

C (7:10)

The last two plus two and a half years, somebody told you when to get up, when to eat, when to. You could go outside, what you were going to eat, right?

B (7:20)

Yep.

C (7:21)

When you borrow money, that bank tells you, I don't care how you feel, you're going to work tomorrow because I want my money. You already took my truck.

A (7:31)

Oh, you got.

C (7:31)

You lost that job. I don't really care. You're doing this because. Right. And so what I don't want you to do is walk out of prison and then walk right back in voluntarily. And that's what borrowing money does. Stay free.

A (7:42)

Yeah, that's good. That's good.

C (7:44)

Stay free.

A (7:44)

Hang on. I'll send you a copy of the total money makeover and we'll help you as you rebuild your life. And steady. Steady and slow.

C (7:51)

Christian, send him building a non anxious life too. I want to give him some tools for walking through the ups and downs that are going to be the next 5, 10, 15 years of his life as he steadies himself and builds a new version of himself from the inside out. We'll send him both of those.

A (8:05)

Yeah. Very good. That's good. I like that. Create your free every dollar budget today. The simplest way to budget for your life.