brought to you by the every dollar app start budgeting for free today twenty four on by i live in north carolina on about a hundred fifty one came back on i currently work at full-time working it's right making about thirty two dollars an hour on i commute to work and back from work about two hours every day why and i am uh... i have an agreement with my father that i can live home completely for free on where i work down there i would be losing quite a bit of money to pay off my debt in if i were to live down there instead so i think the time to do it what's this a hundred fifty thousand and that uh... so probably two-thirds of that is apparent plus loan i had an agreement with my dad uh... before anything was taken to take the debt out and i would pay a back in fact in full for that on the rest of it is my students so all string one back about four thousand a car loan okay and uh...
you had originally promised when it was all done to pay the and plus loans or really that is yours i got that and uh... good for you so what's your degree yet so one thing i'm a little embarrassed by that i went for a software engineering degree out of state and i've heard the uh... rent about that that is probably not the best use of my money but here i am do you have a software engineering degree yet okay why are you only making fifty grand hey george you're in the control booth i bet you're wondering what's gonna say next get out of debt sell the horse yada yada yada the advice may be predictable but the internet is anything but see your personal info is out there up for grabs by shady companies ready to add more scam spam to your life and that's why i used to leave me delete me will scrub your data from all these sites that you can focus on the ramsi show instead of who's buying and selling your info and ramsi fans get twenty percent off a joint elite dot com slash ramsi or by using link in the description below so go take control of your privacy as soon as this calls over why are you making a big rain uh... i i'd like to read a letter in may i most of the rest of the summer and fall probably sending out about six hundred something application and it was i barely got anything back i tried every single reference that i knew and eventually i was reached out to by a company that basically i work i work at a contractor for a company that contracts me out to a bank and at the junior software engineering uh...
now if you were to take a quiz with us and you're coming on board here would you come out of dev one or dev two or dev three if i were to get probably that one okay how can we best help you today sir uh... i believe that i'm very stressed i've been dealing with a lot of things in my play and my debt is really stressing the l and i think my own by all the way to get incorrect about how long it'll be to pay off i'm i'm just very stressed that i'm not going to be able to do really anything in my twenties and i'll be kind of just stuck doing nothing but paying debt off that that would be part of it that's going to be part of it why is it say on my screen that you told our phone screen or you're struggling with an addiction oh i'm i apologize i didn't know how best to put that in there i've been struggling with pornography addiction and that's a reason addiction for a very long time and i didn't mention that as much because i actually just last week i would i just in the last few weeks i should say i've been uh... a randy affiliated co development coach actually reached out to me and i've actually been getting help with that uh... so hopefully that i am i've been doing much better lately on that but that is much more than i did uh...
it was probably on and off depending on a month or whatever i've that addiction was kind of helping drive me to do maybe thirty to fifty months not not a lot of what i call the time thirty to fifty what dollars per month yet okay sounds unbelievable yes it was uh... starting to get to the point of that sort of okay the numbers that you're giving me i would agree with you that you're going to be in debt a long time so there's something needs to change because life is not a snapshot your life is not going to stay exactly the way it is today with the exact same income the exact same debt uh... for the next eight years something will change and it'll get worse or to get better so let's be proactive and let's call it to get better you don't make much for a dev one dev one i'll be running seventy eighty grand and so let's start on the income side when you just send out applications in the digital world you're sending them out into nothing no one looks at them we hired about a hundred and fifty people at ramsi last year we had fifteen thousand applications because people just send in stuff just that they just send some random layer they they buy some software that sends it to everybody and we don't even look at those we don't have time to go through them all and that's what happened to your six hundred applications no one saw it so the way you fix that is you use ken kolman's material and you begin to find some people in the software world in the development world and you begin to connect with them and you find or you see a job over at the certain location that's paying seventy-five or eighty and he starts asking yourself who do i know that works over there even if they're not in the software they can get help me get my foot in the door who i know that knows somebody that works over there that will help me get my foot in the door even but to degrees of separation and that's called the proximity principal i'm gonna send you can's book on that and i want to go to ken kolman dot com and look at his resume and his letter writing templates they're all free there for you look at and i want you to look for a job your job sucks it does not pay enough and it's too far away i agree okay i do have a question about that job um... so it is sort of a type of if not guaranteed but it is potentially a work the higher thing to wear if i would want to be hired at this is two hours away and i don't want to be hired if i could pay you eighty grand and you moved down there okay but i drive in two hours anyway my my house is twelve minutes from here no way i'm spending my life in my car not for a little bit of rent money yet so we get your income up before you start bailing out on your dad's generous offer let's get your income up and then and your living situation up and and you keep working on your addiction issues you'll begin to work through this gradually and but you have to get the income up from working more side jobs side hustle side contracts in addition to working a full-time dev one dev two job and uh...
yeah but if you get a great bump and pay move down there you have to take the job but you want to make this bad deal permanent create your free every dollar budget today the simplest way to budget for your life