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Zander shops all the top-term insurance companies to save you money get started at
zander.com. >> Started with saying the Ramsay show in 2020 when I was incarcerated and when I got out, I started doing things the right way and then I lost my job and fell back into debt and found another job, but it didn't turn out fast forward for failed jobs later and I get hit by a train on this last, this past June and you got hit by a train?
>> Mainly moly. >> Yes sir.
“>> Bro your life is a lovely country so, man.”
>> So, I'm used to doing mostly manual labor in my life.
I recently got married, so that's a plus, my wife and I combined finances and I'm going through all of our debts the other day and I'm realizing that we're $100,000 in debt and I can't work yet and so I started looking for a part time job recently, she only made 1250 in her, so she doesn't really make a whole lot of hers and comes, she's had a really hard time keeping a steady job and so the last four years and I just don't know what to do, I don't
know where to turn, I'm at a loss, I've called my way out of get three times in my life and I am beside myself right now, I'm on top of that, I have a $750 a month child support obligations that I'm unable to pay, so my kids are going without and I'm just beside myself. >> I'd rather I want to applaud you for calling, man. This is a hard phone call in it, yeah, I'm grateful that you called.
>> So some of the debts are, she's got $5,000, almost $6,000 in student loans, they have been deferred until this year and so now she's having to start paying on those and, um, because I've been in and out of work for about two years now, I'm already got back child support that, so I've got about $10,000 on one kid and about $5,000 on the other. Let me ask you to, the way you're telling us your story, you fell into debt, you got, like
the jobs went away, if you're to look in the mirror and take full ownership here, why do you keep getting laid off of work, are you not showing up on time, there's construction going like I was just in love a couple weeks ago, there's construction projects all over the place. So I recently moved to Texas, okay, by the train, my wife is from a little small town outside
of love and so when I got hit by the train, she was already here, I just moved in. >> Okay. >> What's your medical status?
“When are you going to be able to get back after it?”
There's so much opportunity for those who will pick up a shovel and get after it in love it, Texas? >> Well, like I said, I am already looking for a part-time position, well, abilities, I have a fused elbow and so shoveling is not exactly. >> Yeah, that's really challenging.
>> Yeah. When that happened, I mean, I don't know any other way to say it, so I don't, I don't want to sound rude, but were you at fault, or was there, was there fault, is there, is there any, I think that's what I'm up to now.
“>> I don't think that's what I'm up to now, I was, I found myself making $50 a week”
at this sales position, it was a traveling door to door sales position, where they promised
the world and never deliver, so I was making $50 a week and barely will have food, she was
working the same job with me and she couldn't make it either, so she decided to go home.
I had seen what happens when people leave the company when they don't have an...
so I wasn't about to get dropped off in a bus station with nothing, and so I tried to jump
at train home and it didn't work, it was going faster than I thought, and it caught me. >> So let me ask you this, are you ready to change everything? >> Absolutely, I've, if you only knew, I've said, okay, all right, so here's my call up. Number one, when you get off this call, I want you to call over to family counseling
“services, I think they're off Avenue Q over there and love it, okay?”
And they have sliding scale and they support folks who are struggling financially, but you gotta get in and sit with somebody, okay? You got a lot of demons in your back, right? >> Yep. >> Okay, number two, you can't kind of look for a part-time job.
You've got to make it your life's mission to get two jobs by the end of this week. And I'm putting that pressure on you because I think you can, and they're not going to be fun and you're going to be exhausted and you're going to be sore, but I want you to commit to it, because what you need right now more than anything is a bunch of little wins, and these debt collectors can ask all day long, but bro, you got kids and I want
to get those guys squared up and you do too, I can hear your voice, right? >> Yeah. >> All right, so let the bill collectors keep calling you for a minute. You don't have anything anyway. And your wife has got to either get the help she needs, or she's got to make a commitment.
I'm going to go get a second job, I can't just put her buy on $12.50 an hour.
>> She's actually about to get $9 an hour, well, $8.50 an hour a raise. >> Gross. >> Awesome. >> Yep, so she has this test done. >> Okay, listen to me, Jade and I are going to give you and her the premium every dollar
app, because we're in financial peace university currently through this week. >> Good, good.
“>> The worst thing that can happen is you all get an $8 an hour a raise, or $9 a raise, and”
you don't budget it, because it will disappear faster than you get it, right? >> Right. >> Right.
>> So we're going to be militant in our discipline when it comes to our spending and
our budgeting. And we're going to have to go for walks, we're going to have to go over there to severe park and go for go, I mean, go for walks together, we're going to have to get it. I don't know, a soccer ball and kick it, we're going to have to do stuff that in cost any money, because that's where we are right now, right?
And if you'll go get a job, you'll go get two jobs, and you commit to a year being uncomfortable, you're already uncomfortable, commit to being uncomfortable in a direction that's going to change your life. >> Right. >> You what I'm saying?
>> Yep. >> Go sit down with the counselor over there who will work with you and say, I'm ready to change some of the stuff I've been put sit down, some of that crap I've been carrying for all these years. >> You have what I'm saying?
>> Absolutely. >> We both think you can do it, man. Also you know what? Hang on the line. We're going to send you a copy of King Coleman's Find the Work Your Wire to Do.
I want you to take the career assessment inside of it, it's incredibly insightful. And begin to ask yourself, not just after a year of survival jobs, what I actually want to do.
“What can I do in this local community here in this great city of Lava, Texas?”
What can I do that's going to contribute to this city, to the people who've been work, like who are where I used to be. And a nire talking about changing everything in your life. But you need some little wins, brother. Hang on the line.
We'll get choked up with some resources. We're your number one and two fan. >> Zander is the best place to find term life insurance to protect your family. Visit zander.com for quotes today.
