So

you're not going to rewrite? The baby steps? You're not going to re-release them? Not

today.

On Davey's plan? We're

going to stay with Dave, not Davey. There

you go.

That's what we're going to do. All right. Emmanuel is with us in Dallas, Texas. Hi, Emmanuel. What's up? Merry Christmas. Merry

Christmas. Merry Christmas. So the numbers, just to get through it quickly or efficiently, the numbers are $94,000 in debt. 56k is from a car uh the car max uh value would be 40 to 43k and i'm paying uh 1200 per month for that oh

why yeah

so yeah right exactly exactly so uh my story is kind of like a five-year timeline straight out of college um i moved to californ I can, you know, continue my college relationship after working at home. The job I had was like miserable. Um, and there just wasn't any growth in it. So I decided to just take the jump. I followed love and, um, things, things were working out. I ended up becoming a mortgage loan officer. And so I made great money, uh, at a young age, um, making like over 10K a month. But, you know, that didn't last for a long time. The industry died because the rates crashed. After that, I got into recruiting. Same thing. I made amazing money. I was making $50 an hour, and I was sugar daddy. Everything was fine. But then the economy, you know, it crashed. That mass layoffs again. And so now, you know, now I'm pretty much just I've been doing everything. It's not a work ethic problem. It's things just haven't really been swinging my way. But I've still been working and it's just kind of like a paycheck to paycheck situation. And yet you still bought a $56,000 car? What's your question? So that, no, no, no. That is a result of, like, me having to deal with, like, family dynamics and family issues. So through all of that.

Wait a minute. I'm sorry. There are no family dynamics that require a $56,000 car. That's absolute bull crap.

Okay, okay. You had to impress somebody in the family? I mean, what

kind of ridiculous family dynamic causes you to buy a $60,000 car you can't afford?

Right, exactly. So if I could explain, um, I'm dealing with like a super difficult mother-in Are you married? Are

you married? No,

I'm, engaged. Okay.

Got it. And she told you to buy the $56,000 car. No,

no. That was as a result of, that was just like, so I keep having to put my foot down with the mother-in because things just, it's kind of a situation like she does like things that are just not acceptable. I'm

so sorry. What the crap does this have to do with you owning a car? What's the car?

I'm calling for clarity. I

know. But what does a mother-in have to do with you buying a car? I don't understand.

It was crazy. All of this is happening while we are two under two. I have a daughter that's two years old and my son is two. OK, so I got laid off. You got laid off. You got two young kids. And it

wasn't your wife that wanted you to get the car and you felt pressure from married or your fiance. i got the car okay i told

her i don't ever want to have to like rely on my mother-in because i've been living with them because my family lives but not relying on

your mother-in does not require a 56 000 car honey yeah

we got it we got to we got to reframe it we got to reframe what's in your mind because i think in your mind you you thought somehow that was going to give you some sort of freedom. I don't know how, but maybe you were borrowing her vehicle. I don't know. But the truth is-

You could get a $5,600 car. Yes. You

got to sell that car immediately. And have the freedom. Don't sell it to CarMax because they're not going to give you the best value. You need to do it private sale. So look it up. My guess is that you'll get pretty close to the 56 that you owe on it. You have to get out of this immediately. And it sounds like there's not the right boundaries between your fiance's mother and you. And so you and your fiance are going to have to deal with that. You've got two under two. So I heard you say that I think you were laid off for between jobs. So you've got to get a job very quickly. So your homework list is I sell the car private sale I get a job I draw boundaries with the people who are not my parents and even boundaries with this she's not even your in-law yet because you're not married so you need to get married so

that's on your list number three no number four is get married this weekend yeah

you

got a bunch of this crap out of order so um and then you can just look at mother-in and go i you don't have a vote on my car you don't get a vote for my car immediately yes yeah yeah and no one has a vote on your car

your

wife and and she's not even your wife yet so let's make it make her your wife and then the two of you decide on cars. But a $5,600 car will allow you to not borrow other people's car.