Original subtitles

Hi, I'm Carlin.

I'm Enam.

BOTH: We're the Jordans.

We live in North Carolina, and we have three beautiful boys.

We love our faith, our family, football, and food.

CARLIN: I work full time as a police officer.

I am a financial services representative.

CARLIN: My wife and I both serve as youth pastors

at our local church.

And then I have a small business, Carde'cae.

I'm a licensed esthetician.

We have a two-year-old firecracker.

He's Carlin [INAUDIBLE].

Carlin was born with sickle cell disease.

So the only known cure right now for sickle cell disease

is a bone marrow transplant.

And when I got pregnant with [INAUDIBLE],,

they tested to see if he was a match, and he was.

We have to save 40,000 for the transplant that can

possibly cure his sickle cell.

CARLIN: My biggest fan and my biggest support is my wife.

My biggest fan and my biggest support system is Carlin.

CARLIN: And there's a saying to divide and conquer.

But I don't want to divide and conquer.

We just want to conquer together-- conquer as a unit.

But unfortunately, we are--

BOTH: Broke.

That was a bit long-winded.

She said expound.

She said expound.

[MUSIC PLAYING]

DAN (VOICEOVER): Here are the facts.

The numbers are massive.

Over 45 million people have borrowed over $1.7 trillion

in student-loan debt.

And the COVID-19 pandemic has only

made the situation more dire.

My name is Dan Rosensweig, and I'm

the CEO of the multibillion-dollar company

Chegg.

This is my mission.

And with the help of my financial expert, Tonya Rapley,

we're going to help people who are drowning in extreme debt

build a life of financial independence.

This is the year.

DAN (VOICEOVER): It's not going to be easy.

I can't do this.

DAN (VOICEOVER): But if they do the work,

they're going to go from being in the red to becoming

the CEOs of their own lives.

This is Going From Broke.

[MUSIC PLAYING]

Hey, Tonya.

How are you?

Hey, Dan.

I'm doing good.

I'm doing good.

I am excited about our couple today.

I think we really can help them.

So let's get into it.

We have Enam and Carlin.

They are a lovely couple.

They have three sons.

Enam is a financial representative

at the local credit union as well as an esthetician.

And Carlin is a police officer and an ordained minister.

So these are the kinds of people

you want living next door to you because they can

protect you and give you money.

[CHUCKLES]

[CHILD GIGGLES]

ENAM: Hey, y'all.

What are y'all doing?

Say hello.

CARLIN: I am at Walgreens.

Swiped my card again to get Carlin's medicine

as kind of part of the astronomical bill

we're already paying.

I'm just glad and feel blessed that we

do have it, even though it takes away from paying off debt.

But whatever we have to do in order

to help aid him in staying healthy to get his surgery,

we're up for it.

Good job.

Gimme five.

TONYA: And a lot of issues they're having--

it stemmed from medical debt.

So they've already spent an extraordinary amount

on his medical costs.

And it seems crazy to me that we live in a country

where you can't get medical treatment covered

by insurance for your child.

They've got some issues that most people, I hope,

never have to deal with.

Yeah.

DAN: And they're dealing with it as

well as they can emotionally.

But we got to help them financially.

So maybe we should walk through the numbers.

TONYA (VOICEOVER): Each month, Carlin and Enam bring in about

$7,600 but spend upwards of $11,600,

putting them underwater by about $4,000 each month.

They are juggling a lot of different types

of high-interest debt, the most egregious of which

are several credit cards with APRs of up to 27%.

Their total debt load is over $210,000.

It sounds like we're borrowing against our future

quite substantially, even though they're

living a very modest life.

Yeah.

This is classic robbing Peter to pay Paul.

A lot of what they're doing is what

they think they're supposed to be doing

instead of what's best for them.

They do have money in savings, but it's

being saved towards a medical procedure

for their two-year-old who has sickle cell.

So we've got this pile of money over here--

TONYA: Mm-hmm.

--which is for the most important asset in their life,

which is their child.

But there may be a better way to finance what they

need for their child and put themselves

in better financial future.

So I think it's time we meet them.

What do you think?

Yeah.

[MUSIC PLAYING]

ENAM: I'm feeling really vulnerable.

Like, all your business is just shown to all these strangers.

But I'm so excited for the help that that's overtaking

the fear that I have.

[CHUCKLES]

Welcome to Going From Broke, probably the show you never

thought you'd want to be on.

But it's a thrill to finally meet you.

You guys knew we were going to go through your budget,

and we were going to look at your expenses and everything.

This dining out-- really want to talk about this dining out.

Let's just put this in perspective.

In one month, you're spending 50% of your mortgage

on dining out.

CARLIN: I knew that was coming.

Like, I just want to go under the table right now.

I have to take most of the fault on that.

I am not the best cook.

You know, I have peanut butter and jelly, cereal, eggs.

TONYA: Honestly, I don't want to see more than $50

in dining-out costs or expenses.

And that's, like, where you're reserving

it for the night where you just absolutely can't.

I'm not going to sit here and make excuses.

It's just for convenience.

CARLIN: I do admit that I need to step up with, you know,

preparing more of the meals type of thing.

Well, it's clear that you all aren't spending recklessly,

you know?

You own your home.

Like, how big is that for you?

Because I know that's a large part

of the American dream for so many

people-- owning their home.

For me, that is huge.

[MUSIC PLAYING]

When we signed our name, I felt really good inside

because I felt like I finally had

something I could plant roots.

Like, this is ours.

Like, we're kind of starting a legacy for our children.

ENAM: Absolutely.

Same here.

We bought it a month before we had Baby Carlin.

CARLIN: Yeah.

ENAM: And just to bring him home in our home--

it just meant so much to me.

TONYA: The repairs you made on the home

exceeded your mortgage payment last month.

CARLIN: Mm-hmm.

ENAM: Because we have an older home and because we don't have

the money to just get a whole new air-conditioning system,

we're having to pay for them to come fix it when it goes out.

Same with the plumbing.

We can't change our plumbing lines right now,

so we're paying a plumber to come out every week.

OK.

This house sounds like it's expensive.

It is expensive.

You know, we have trained people, in this country,

that the only way, quote unquote,

to get to the middle class is, you have to go to a four-year

college and get a degree, and at some point,

you need to own your own home.

We need people to reframe that.

Owning a home only works if you can

get a home at the right price, a mortgage at the right rate.

And you have to take into consideration

what most people don't know or think about,

which is the upkeep of a home.

So it's not this simple discussion and myth of,

buying is better than renting.

We've been led to believe, by a lot of people

who make a lot of money off us, if we own this,

then we've made it.

Well, you don't own the house.

The bank owns the house.

Yeah.

Right now, one of the questions that you want to ask

is, is now the time to own a home?

Wouldn't it be better to just call somebody

when something breaks?

And what would a beautiful rental that doesn't

put Baby Carlin at risk and--

Yeah.

DAN: --maybe even be closer to the hospital, right?

So you don't have to commute that

long or pay for hotel bills.

Uh-oh.

I feel like I tapped into something.

We've been--

You've been a fly on the wall.

Yeah, we've been really praying about that.

I actually took Carlin this week,

I think that we should move closer

to the hospital, which is a hour and 45 minutes from our house.

And the thing is, Carlin didn't want to rent.

And I'm like, it makes more sense.

But he's like, but we're throwing away money.

That's what I've been taught, and that's what I've been told,

which--

I could have been misinformed.

The issue isn't what other people say.

The issue is what's best for your family.

I don't want you to think that your life is measured on

whether or not Baby Carlin came home to a house that has

your name on the mortgage, because what matters is

that Baby Carlin is healthy and Baby Carlin

isn't left with a pile of debt.

Yes.

DAN: So now you're going to get some homework.

TONYA: I'm really going to challenge you to keep

those dining-out costs down, because not only is it

expensive, it's unhealthy, too.

Bojangles is not going to contribute to our health

or our financial goals.

DAN: But I think one of the things we're going

to do for homework is find out, if we did sell it, would we be

selling it at a gain or a loss?

Even though we're going to have to pay rent to somebody,

you may find out that you're actually

putting more money away for your child and your family's future.

Mm-hmm.

DAN: So we're going to have to go through

and say, what does it really cost us

to own this house for a year?

And we're going to find out mathematically what's best.

And then, emotionally, you're just going to have

to decide what works for you.

Being uncomfortable is OK for us right now.

Like, we're very OK with being uncomfortable if it

means our children and our future is

on a side of financial freedom.

If you give me my wife, my queen, and my kids are good,

we would go live in a box right now

and put this house on the market.

Like-- - Yeah.

--that's how serious we are when

it comes to getting out of debt and being financially free.

Like, we are serious about this.

Your arms are too large to live in a box,

so we'll make sure you don't end up living in a box.

[CHUCKLING]

[MUSIC PLAYING]

CARLIN: I feel great.

I feel great.

I feel like they are really invested

in seeing us become financially free,

and they want it just as bad as we do.

[MUSIC PLAYING]

Today is Sunday.

We're going to meal prep for the week.

So what I'm doing right now is toasting the rice.

Tonight, I'll be cooking a recipe that Enam created.

And we're going to see how it works.

ENAM: Let's see what we got.

Mm.

Let's hope it tastes good.

ENAM: [CHUCKLES] What do you think about Daddy's food?

No, baby.

[MUSIC PLAYING]

I am prepping for my next client.

Today was really rough for me to get up and leave my family.

You know, all he wanted was his mom.

But I had clients from 8:00 all the way up till 7:00 tonight,

so I kind of just gave him a kiss and ran out the door.

I'm so grateful that God has really just blessed my business

and that I'm getting booked like crazy.

But on the other hand, I just really

want to be there for my family.

[MUSIC PLAYING]

Hey, Tonya. CARLIN: Hey, Tonya.

How are you?

I'm good.

How are you guys?

We're good.

And I'm loving this color coordination you have going on.

[CHUCKLING]

So I hear you guys have been working.

What's been going on?

A lot-- everything you guys have signed us to do.

Parts of it was eye-opening, to say the least.

Well, last night, when we crunched the numbers, first

of all, I was shocked about how much we was

paying to keep the repairs up.

Good gracious.

That's $34,000 we're spending a year to live in this house.

That's unreal.

That's crazy.

The homework really showed me that it might be a good idea

just to let it go for a while.

I definitely want to own a house.

But right now, that's around $2,800 a month.

TONYA (VOICEOVER): Enam and Carlin

thought their home was only costing them around $900

in mortgage payments.

But add on the expenses of their utilities, home maintenance,

home-improvement equity loan, and many expensive and

unforeseen repairs, and the Jordans

calculated their home actually cost them

an average of $2,800 a month, which is four times as much

as the average rental in their area.

That was kind of a gut-puncher for me.

Yeah, numbers don't lie.

A day late, dollar short.

Now we know, when we should have known yesterday.

TONYA: Yeah, now you know.

And that's a good thing.

Now, your homework assignments--

we're going to have you look into the rental market

and look for jobs closer to the hospital.

OK.

TONYA: And then, Enam, our focus is going to be looking for jobs

that allow you to stay in the home

or work from home so that you can be there for your family.

Absolutely.

All right.

So with Enam and Carlin, they're both youth pastors.

They're both committed to the mission.

We serve [INAUDIBLE] God.

Amen.

CONGREGATION: Amen.

Amen.

TONYA: And I thought it would be wonderful

for them to see another faith-based leader

who's also focused on debt elimination

and empowering others.

Hello, Pastor Soaries.

Thank you so much for joining us.

Hello, Tonya.

Hello, Enam and Carlin.

So the average white family has a net worth

of $170,000 while the average Black family

has a net worth of $17,000.

And it's people like Pastor Soaries who are working

to equal the playing field and empower

others so they can create generational wealth

and close that gap.

How do you find the balance of giving back and serving

in your community, but making sure

that you're spending enough time with your wife

and your children?

That's a great question.

I don't believe in balance.

I believe in priorities.

Priorities tells you what's first, what's second.

My sons played high-school basketball.

I left church on a couple of Sunday mornings

to be at their basketball game because my position was,

the church could always get a new pastor,

but my sons can never get a new father.

And so it's always been family first.

Mm-hmm.

TONYA: Enam and Carlin, I would love

for you to share with the pastor your background, where you

come from, and why home ownership is

an emotional process for you.

[MUSIC PLAYING]

I grew up in Tampa, Florida.

I am one of eight children.

Well, both my parents struggled with substance

abuse growing up, so we spent a few years in foster care.

So we never really had that vision of owning a home,

or just ownership, period.

I cried when I didn't go to school because I knew

I was going to have three meals-- or, two meals

mandatory, breakfast and lunch.

So I didn't know anything about credit.

It was always survival mode.

What can we do today in order to provide food for tonight?

And then we'll worry about tomorrow when it comes.

You amaze me because, first of all,

you are the descendants of people that were

not even allowed to buy houses.

Black people, since we arrived in this country,

have had obstacles and barriers placed

in our way on a physical level, on a political level,

on an economic level.

The other reality is that the foster care system produces

more people for the prison system

than any other system in the country.

And so you are a miracle.

The fact that God protected you and spared you the pain

of becoming a statistic--

you are a miracle.

And so I'm so proud of what you've accomplished

because you're a living example of why we tell people,

it doesn't matter where you start.

What matters is where you finish.

I just-- he's such a good father and a husband.

And he had no template.

He just figured it out on his own.

And so his life just ministers to me every single day.

TONYA: I'm inspired by you two.

Y'all almost have me in tears.

I just love how you--

I love how you love each other.

When you say I should have been a statistic, you're right.

I should have been.

She said I inspire her.

This girl inspires me.

She is still teaching me stuff daily.

Half the time, I don't know what I'm doing.

But this woman right here, praying for me

and loving me through my mistakes,

gives me the courage to keep doing it.

So it's not all me.

I just love y'all.

Don't you just love them, Pastor Soaries?

I just love y'all.

I'm moving in.

[CHUCKLING]

[MUSIC PLAYING]

All right, Dan and Tonya.

You guys gave us homework, and we're about to complete it.

You asked us to check out some rentals

near the hospital in Raleigh.

The kids are getting packed in the car, and we're heading out.

So low key I'm kind of excited to go ahead and do

this and see what we find.

ENAM: House number one.

Here we go, Dan and Tonya.

Well, it's really, like, suburban-- like, families.

It's not busy, the hustle and bustle.

All right.

We're at house number two.

I rate it a 7.

CARLIN: I give it a 7 as well.

On to the next house.

House number three.

ENAM: The houses were a little too close together for me.

CARLIN: I wasn't in love with it, but I liked it as a rental.

So I'm looking at houses, but I'm also still working.

Instead of shipping this week, I just decided to deliver it.

So working but still doing homework.

We're on to house number four.

To number four.

I gave it an 8 because it's brand new,

so we don't have to worry about-- for the kids' safety.

But it was 1,895.

It's a contender, but it's not the top two for me.

Our day is done, and we need to get

these crying children home.

So thank you, Dan and Tonya.

We have done our homework.

Yes.

[MUSIC PLAYING]

So we're on our way home from church this Sunday afternoon.

The church was doing something for the kids--

fellowship lunch.

But we opted out of doing that so Carlin wouldn't get sick.

Enam is actually in the shop for a few clients,

so I'll be home with the kids.

Give Daddy a kiss.

TONYA: Enam and Carlin work hard.

And Enam-- she has three jobs.

She's working at the bank, she has her business,

and she's a youth pastor.

And so we connected her with Smart Job Search

because they're able to help her find

other opportunities in the event that this family wants to move.

The goal of Smart Job Search is

really to help people find the best and highest-paying jobs.

Share with me more about what really

motivates you from a work standpoint.

I'm really big into numbers, and I'm really

big into the beauty industry.

Those are my two passions.

I don't want to work three jobs anymore.

So I need the salaries of all three jobs into one job.

One of the big things for me is, our family needs really

good health insurance, right?

My baby goes through a lot.

So I would, you know, be willing to take

a lower-paying job if they have really good health insurance.

Where we're going to focus most of your energies

during your job search is actually the hidden job market.

And so everyone's like, what is that, you know what I mean?

Yeah, what is that?

CHRIS: The hidden job market is any jobs that are filled

without being publicly posted.

ENAM: So in the past, I've just gotten

jobs based on word of mouth.

I hadn't really ever, like, looked online for jobs.

And so because I have that resource using Smart Job

Search, I feel so much better about not trying

to do all this by myself.

And now it's time for me to go back to my job.

Womp, womp.

[MUSIC PLAYING]

CARLIN: I know.

[CHILD CRYING]

I know.

He's having a pain crisis.

And it can happen at any given moment.

It just-- you don't know when a pain spur may happen.

So it may be a rough couple days,

or it may be brief and be over in an hour or so.

You can only monitor.

Good job.

All done.

In the case of Enam and Carlin,

the real challenge for them is the illness

of their child and the $40,000 it costs to do the operation.

So they have been scrimping and saving to be

able to afford this operation.

That has put them further into debt.

So Tonya and I reached out to Pandemic of Love.

What Pandemic of Love does is it crowdsources to help people who

have been financially impacted or medically impacted

by the pandemic and are really struggling.

And it gives neighbors a chance to really help neighbors.

I'm bringing up a special guest.

Her name is Shelly Tygielski.

Hi.

Welcome.

I'm Tonya, and this is Enam and Carlin.

Hey, how are you?

Hi.

It's so wonderful to finally meet you.

I wanted to bring you on because Enam and Carlin are

so powerful in their community.

Even though they have their own debt that they're navigating

and their own worries, they're still finding ways

to give back to the community.

Yeah, that's exactly the key.

I mean, I created Pandemic of Love in March of last year

based on the concept of mutual aid.

And I know that you two, Enam and Carlin,

know a lot about community organizing and giving

back to the community.

I always tell Carlin, as soon as my baby gets his cure,

I'm going to find another family to help--

Yeah.

--get their cure--

CARLIN: Every time.

ENAM: --for sickle cell disease.

And I just--

I always want to just give back.

And I'm glad you are sharing this with us because, I mean,

we're all about being a blessing to somebody.

And we don't even have to leave a name.

Just bless and just move on.

To that point, I actually would really

love to introduce you to a few of our friends

who are on this call.

They represent people who have donated.

And they even represent families that have been in need

before that have been helped.

TONYA: Dan, it's so good to see you.

DAN: Hey, Tonya.

How are you?

TONYA: I'm doing good.

DAN: Hi, Shelly.

Hey, Dan.

Thanks so much for having us.

DAN: Hi, guys. How are you?

- Good. - Doing well.

We're winning. - How are y'all?

We are winning.

How are you?

DAN: I am winning, too, because--

CARLIN: That's right.

--you guys generate the most positive energy.

You know, I look forward to listening to you

and hearing you.

But I think there's some more important people than Tonya

and I here today.

So Shelly?

So all the people that you see on your screen

are individuals who are familiar with your story

and the financial burden that this has put on your family.

And you have done so much--

so much good for your community, for the world,

for your own family.

And we wanted to give back to you.

What I'd like for you to do is to--

if one of you can take your mic off and go outside,

we actually have something that's waiting for you outside.

And just bring it back in and don't unwrap it.

Just bring it in and come back.

[MUSIC PLAYING]

Oh.

CARLIN: Yeah.

That's a big ol' package.

And so what I'd like you to do is open up the gift

that you found outside of your door.

I'm scared.

[CHUCKLES] All right.

Wanna rip it?

Wow.

[CRIES]

Wow.

SHELLY: So we wanted to alleviate the burden that

has been placed on your family and to help you

pay for Baby Carlin's surgery--

CARLIN: Wow.

SHELLY: --so that your little baby

can be cured, so that you can continue

to give back to your community.

DAN: Thank you, Pandemic of Love.

Knowing that there's-- - Thank you.

DAN: --an organization--

[CRIES]

DAN: --that can support people who have lived every day

the right way, done the right things,

are willing to give up their home

to have this child's operation and have

to pay down their debt--

to know there's an organization like Pandemic of Love

that can do something like this for such amazing people.

Thank you.

Enam and Carlin--

Thank you.

Me and Carlin-- we always joke and say it's

us against the world, because we just don't even

have people we can ask to help.

So we just go so hard every day to make it happen for our kids.

And just the fact that y'all were

so generous to help our family means everything to me.

And I'm just so overwhelmed right now because I

just was not expecting.

And the first thing I thought about

was, I can actually care for my son

now because I don't have to work so many jobs.

You know, when we started this process,

and I got to know Enam and Carlin--

and you know, every time I turned off

the camera I'd be like, they don't deserve

what's been thrown at them.

And so for you to get this--

you deserve this reprieve.

You deserve to know that people care about you

and that you are supported by a community.

You two work so hard, and you have shown up

and done work each step of the way,

no matter what was going on.

Your baby is sick.

You're still showing up.

You're still showing up with smiles.

You're still doing the work, no excuses.

Um.

[CRIES]

I mean, um--

DAN: It's OK, Carlin.

I'm so encouraged to go back and pass it forward

and do this to somebody else.

I'm so encouraged to knock on somebody else's door one day

and just say, this is taken care of.

DAN: Aw.

I want a hug, too.

[CHUCKLING]

I hope this allows you to breathe easier, because you

deserve to breathe easier.

And I just appreciate you.

I appreciate the Pandemic of Love team 'cause this is--

ENAM: Thank you guys--

TONYA: Yeah.

ENAM: --so much.

Yeah--

DAN: By the way, I want you to understand

that, with all that love, you better

still do your damn homework.

[CHUCKLING]

We're committed to the cause.

You better believe it.

ENAM: So I'm about to call Sheena Williams.

She's a realtor that we have worked with in the past

and one of my friends.

And Dan told us, in our homework, to see, you know,

what our house could be valued for if we decided to sell it.

Hi!

Hey, how are you?

Thank you.

Thank you for coming.

No problem.

ENAM: I love the fact that this was my first home,

but I'm not as attached to the house as I used to be.

I'm fine wherever I am, as long as my baby can get his cure.

I did do a CMA, which is a Comparable Market Analysis.

You guys can talk about it and decide where you want

to start your list price at.

Ready?

BOTH: Mm-hmm.

Do what?

DAN: I think we should bring in Enam and Carlin.

Yeah, there they go. Matching.

DAN: I see--

Hello.

DAN: --the matching couple.

TONYA: Like we knew they would.

[CHUCKLING]

Hello, you guys.

You guys look like you're going out.

Are you going out?

Yeah, to clean the house.

[CHUCKLING]

DAN: So how are you guys?

Last time we saw you, something special happened.

Was that real?

Yeah.

[CHUCKLING]

It was.

It's real.

And what it's for is even more real.

What was the most difficult decision you had to make?

Letting go-- letting go of the convenience of eating out,

letting go of the thought of home ownership,

and just, you know, putting things in perspective.

The selling the house is a choice.

It's a good business decision at this stage in your life.

You're very young.

There's still time to own a home if you want to,

but on your term.

Right.

Absolutely.

Walk through what you learned about the house.

So we owe about 130.

It's valued right now between 170 and 180.

So if we were to sell it, we would get 40,000 to 50,000

in equity.

Well, what'd you decide to do?

Oh--

We're selling it.

CARLIN: Yeah, we told you, from the beginning, we were serious.

Absolutely.

We met with the realtor on our lunch break

today and signed the papers.

We're gonna-- photographer come out tomorrow, and we're--

Woo!

ENAM: --leaving this weekend so that people can come see

the house, because our family and us getting out of debt

is more important than home ownership to us.

TONYA (VOICEOVER): Due to Enam's extra work on her soap

business, the Jordans' income this month

went up to over $10,000.

With Carlin stepping up in the kitchen and the family

moving to a rental home, they brought their monthly expenses

down to $8,000, putting $2,100 into their bank account.

Thanks to Pandemic of Love, Enam and Carlin

used their own savings to pay off their credit cards.

And their debt will continue to drop rapidly

after they sell their home.

So you have been working.

I think what I'm most excited about is,

when you sell your home, you're going

to be debt free with the exception of your student

loans.

Is that what you came into this thinking?

We came into this hoping that we'd be debt free.

But we never thought that--

It would be this clear-- TONYA: It's real.

- --this soon. - Yeah.

Yeah. TONYA: It's real.

Yeah.

And what do you feel now?

[MUSIC PLAYING]

I can't even--

I can't even--

I just feel a huge, like, weight just lifted off my shoulder.

Like, I feel like I can breathe.

I feel confident.

Yes.

I could see it.

We feel it.

Like--

Yeah, because it's like, when you feel that confident,

you're just like, I don't care where we go, where we go.

But I know we can make it.

We can survive.

Yeah.

It's like throwing somebody in the jungle with a knife,

and they come out with a fur coat--

ENAM: Yeah.

[CHUCKLING]

CARLIN: --you know?

Carlin's going to get healthy, and we're

going to be financially free.

Yeah.

And you guys, I always joke.

Everyone says, you have the perfect husband.

And I always say, I do have the perfect husband,

but he doesn't cook.

And now I can't say that.

He's just the perfect husband.

[CHUCKLING]

DAN: You've had a great month.

Keep it going.

But you get one exception that no one else gets.

Enam, I want you to take $25 or $50

and buy him a different color shirt.

[CHUCKLING]

The rest of the money goes today.

ENAM: The biggest light bulb that went off for me--

I was always so focused on saving.

And so the money we were saving didn't

outweigh the money in interest that we were racking up.

Our house went on the market Saturday.

And we have two people interested in buying already,

so--

It's moving quick.

Yeah.

And so now that we're moving, Carlin picked up teaching

at the college so that I could quit

the bank and just do Carde'cae and taking care of the kids.

We won't have to pay so much money in child care.

And when my baby has his procedure,

I'll be home to care for him.

If you're looking to build or rebuild your financial life,

we've got tools and resources to help.

For more on debt, student loans, earning more, spending less,

and dozens of other money topics,

go to Chegg.com/GoingFromBroke.

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