"These Are Some Unusual Humans"

Brought to you by the EveryDollar app. Start budgeting for free today. I'm kind of in a predicament. I'm having to move out. I'm only 21. I make $35 an hour at my 40-hour job, and then I get to do my own side work on Fridays and Saturdays. I've got $2,900 on my truck, and I have $1,000 in credit card debt. I've never been on my own, so I guess I'm just kind of nervous about being out on your own. What caused you having to move out? So, funny story. I actually live with my ex and her parents at the moment. Your ex-wife? No, my ex-girlfriend. When did y'all break up? I'm sorry. We broke up in February of this year. And you've been living with your ex-girlfriend's parents for this long? Yes. Oh my gosh, Jacob. Blink twice. Are you okay? Awkward. Yes, I'm okay. But you've got to get out. I would assume that her parents are like... Wow, these are some unusual humans. They are nice. They sound very nice. Good humans. They're weird. Number one, that you were in there in the first place, living with their daughter under their roof. That's weird, number one. Super weird. Y'all break up, and then they don't throw your butt out. Yeah, that's super weird. Okay. We built like a tiny house at their house. Oh, okay. Well, on their property, excuse me. Maybe the roof didn't extend over that. Okay, so you're out on your own for the first time, and you're 21. Are you out now, or you're moving out? You've been there for February. You knew this was coming since February. How much money have you saved, honey? Well, I've only got $4,000 saved. Okay, so go get an apartment. Well, I found a house that's rent-to-own. Rent-to-own. You don't need rent-to-own. Straight from the owner. You need non-homelessness. That's all you need. Don't be homeless. That's it. Go get a cheap one-bedroom apartment and get your butt out of weird as soon as you can, and then plug yourself into a good church, and we'll get you onto EveryDollar and get your money stuff working for you, and let's start making every dollar that you have behave. You should have more than $4,000 because you have no overhead, and I don't know where your money's been going since February, but you make enough money. You should have a stack of cash right now. I haven't always had this job since February. Oh, good. Okay. That makes more sense then. Okay. I've had this job for about two months. Okay. Would you agree with me that if you make $35 an hour for 40 hours plus side hustle, you should be able to stack some cash if you keep your rent cheap and go ahead and knock these two debts out pretty quick? Yes, I've been saving about $1,000 a week. Ah, there you go. That's my man. Okay, good. And the house that I'm looking at renting, it's $1,000 a month. It's pretty cheap around here. Yeah, that'd be real cheap around Atlanta. Are you making sure too that when you're doing that, that you're not signing yourself into this idea that you have to buy this house either? I don't want you locked into anything weird. So making sure contract-wise, you can get out. Yes, I can get out, but I also thought the house would be a bit of an investment because- No, you don't need an investment. Not right now. You're 21, you have $4,000 and $3,000 worth of debt. You don't need an investment right now. You need a place to live and not be homeless and not be in the middle of weird. So let's get your life like sustainable and on a rhythm that's normal before we start talking about investing. Okay, so no, I actually would not do this house deal. I smell a rat. Okay, I want you to get an apartment that's $1,000 or less for a one bedroom and get out and have no human beings bothering you. No weird crap swimming around in your head. It's just you, some bread, some milk, some electricity and go to work. Get the truck paid off. Get the credit card paid off. Start stacking some cash. Build, Jacob, a life to where you can stand with your shoulders square with a pocket full of money and no debt. And then we can talk about really becoming a millionaire, building some wealth and you're going to be able to do all of that. But we've got to get you so far away from where you are to even get you to zero. You're subterranean right now. You're at negative 32 degrees. I got to get you up to zero before we can get you warm. Okay, and so there's so much crap in your life that you've got to clean out. And so if you were my nephew or my son, I would put my arm around you. I'd walk you into a great church there in Atlanta, Georgia that's got some good men in it that can walk along beside you and say, Hey, here's how you be a man. Here's how you walk with God. Here's how you handle your money. Let's get you out of debt. Let's get you in a sustainable, boring situation. And then that's where you build exciting from. You don't build exciting from desperation. You build it from boring. Let's get up to boring first. And so go get you a simple one bedroom. Don't try to buy a house. Don't do the rent-a-home thing. I'd pass on it. This freaking week. Get out of there right now. Right now. We're cheering for you, Jacob. Wow. You can do it. You can do it, man. Here's to Jacob. This is wow. I cannot imagine the percentage of human beings that allow this person that broke up from their girlfriend to stay on their property for nine months. I don't understand. I don't understand being there in the first place, but I don't. I said that already. The likelihood, no, no. Well, less about the parent. It'd be more for me. If I'm him, I don't want to be there going into the kitchen. You know what I mean? You're like, hi, Sally. Sorry, me and Ashley broke up. I mean, that's just weird. All right, here we go. Jacob, we're for you. Yeah, we want you to win. But yeah, you're also processing all the emotions of this. And a separate clean location that doesn't have a complication to it of any kind like rent to own or in law, former in-law sort of, um, all that stuff is going to clean your mind out. And that's what I mean by boring. That's what I want to lead you towards. Create your free every dollar budget today. The simplest way to budget for your life.