00:00It actually might be time for bankruptcy again, but you do not do it until you guys budget
00:03aggressively and prove that you can do this for at least three months, then we can consider
00:07bankruptcy. Two, sounds like you're getting this job. I hope you do, but obviously that requires
00:11another form of transportation, but we boost that income and that takes you from 80 to 130,
00:17you said? That's going to put me to 115. It's going to help a little, but you cannot do anything
00:22that costs money, unfortunately, because it just doesn't make sense because at that point,
00:26it still takes 80 months. And what is that? That is still a six and a half year process.
00:30That's without an emergency fund. You should have at least a one to two a month emergency fund before
00:34you start paying off debt because you have a kid, you have a mortgage, you know, it's like,
00:38you just got to be safe. So bankruptcy might actually be valuable in this.
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