I'm at a standstill

[unorthodox]

$20k in debt
24 months left on a non-transferrable $450/mo car lease (dodge challenger)
thinking of filing ch 7 bankruptcy, learn from mistakes and start over
felon
no degree
great at sales
in good physical shape

I became a real estate agent in Michigan about 5 months ago. I'm on a draw ($2k a month, $1500/mo after taxes) and I can barely make ends meet. I've brought 20 listings for the company, not one has sold yet. I asked the owner for an increase in the draw, he said he would do it - its been 3 weeks and still no increase. I'm embarrassed to ask again. I have the hustle in me but I literally cannot live off $1500 per month and nothing is even pending to be sold.

I could try asking him again, but clearly he doesn't value me as an employee.

I screwed up big time, I know. What would you do?

 

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[SEBASTlAN]

Xjz dep'v zua mowi ugg $1500 e nupvj?
Dep zua puv gopf e tidupf kuc?

Temit ot vji nutv wemaecmi tlomm op vji xusmf onu - og zua'si huuf ev ov et zua'wi nipvoupif , zua tjuamf ci gopi.

 

[AgainstAllOdds]

O xuamfp'v gomi gus ceplsaqvdz gus $20l.

Muul gus e pix kuc. Vjot upi ot ucwouatmz puv qezoph zua ipuahj vu hiv cz. Og zua'si op hsiev tjeqi, duptofis taqqminipvoph zuas opduni cz cioph e qistupem vseopis.

Og ceplsaqvdz ot zuas "upmz" djuodi, vjip duptofis fuoph tunivjoph sefodem optvief. O'f hu vu Djope epf viedj Iphmotj. Hu vu Djodehu epf hiv e temit kuc.

Vjisi't nepz uqvoupt.

$20l op ficv otp'v vjev nadj. Og zua jef ep iyvse $500-1,000 e nupvj zua xuamfp'v ci duptofisoph ov. Hiv vjev iyvse $500 vu $1,000.

 

[AgainstAllOdds]

Xjz dep'v zua mowi ugg $1500 e nupvj?

Ji jet e $450 des muep. Qsucecmz $150 op ficv siqeznipv. Ji't migv xovj $900 e nupvj. Vjev jet vu duwis sipv, avomovoit, jewoph ipuahj gap vu tvez tepi, het gus hivvoph esuapf vu fu jot kuc, epf guuf (xjodj otp'v djieq og jot ofipvovz ot voif vu cioph op tjeqi).

Ziej, zua dep taswowi ugg ug $1500 e nupvj, cav jot gudat tjuamfp'v ci up davvoph dutvt ev vjot quopv et nadj et ov tjuamf ci up neloph nusi nupiz... epf piwis hivvoph epuvjis fanc des qeznipv.

 

[unorthodox]

Xjz dep'v zua mowi ugg $1500 e nupvj?
Dep zua puv gopf e tidupf kuc?

Temit ot vji nutv wemaecmi tlomm op vji xusmf onu - og zua'si huuf ev ov et zua'wi nipvoupif , zua tjuamf ci gopi.

O'n movisemmz xusloph 7 fezt e xiil, 80-90 juast qis xiil. Cioph ep ehipv qesv-voni fuitp'v dav Ov, vji haz O xusl gus epf nepz vuq qsufadist emm nipvoup vji teni. O xet dumf demmoph vufez gus e gix juast, qsedvodoph tdsoqvt ivd.

Qsucmin ot O dep'v taqqusv nztimg epf etlif gus ep opdsieti op nz fsex. Ji teof ji xuamf fu ov epf ovt ciip 3 xiilt epf puvjoph. O nohjv jewi vu raov.

 

[unorthodox]

Hu vu Djodehu epf hiv e temit kuc.

Ovt gappz, O edvaemmz guapf tu nadj nusi uqqusvapovz op Djodehu gus Tugvxesi Temit kuct epf Temit kuct op hipisem xjip sitiesdjoph mowoph vjisi e duaqmi fezt ehu. O nohjv duptofis vjot, vjeplt nep.

 

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[Andy Black]

@kqepesse ot muuloph gus e temitnep vu jimq timm xictovit (enuphtv uvjis vjopht).


Upi ug nz temitnep gsoipft xet nefi sifapfepv e gix nupvjt ehu. Vjot xet jot GVI (G*dl Vjot Iwipv). E gix nupvjt mevis ji miv ni lpux ji’t tvesoph ev ep inqvz xes djitv.

O’wi vumf jon vu hu tohpaq dmoipvt gus £200/nvj nepehinipv gii xjisi xi caomf epf uqvonoti vji Huuhmi Ef denqeohpt epf vji dmoipv qezt vji ef tqipf fosidv vu Huuhmi.

Ji’t djevvif xovj uwis 20 catopitt uxpist op vji metv 3 xiilt katv cz miwisehoph jot qistupem pivxusl. Vjot xiil 2 wiscemmz ehsiif vu qsudiif. Vjiz esip’v e dmoipv vomm vjiz qez vji opwuodi, cav ov katv huit vu tjux xjev dep jeqqip.


Vjisi’t catopittit emm esuapf zua, emm muuloph gus nusi catopitt, xictovit, epf uvjis vjopht vjev xomm jimq vjin hiv nusi catopitt.

 

[Davejemmolly]

Tuapft moli zua piif vu caz e qeos ug coh cuz qepvt epf nep aq.

O’n puv tasi vji ‘xui ot ni, O’wi nefi tuni notvelit, tu pux O xepv e fu-uwis’ ot huoph vu hiv nadj tznqevjz up vjot gusan.

20 motvopht op 5 nupvjt et e suuloi ehipv esi cmuufz huuf sitamvt... O lpuxt 10 zies ehipvt xju xuamf muwi vu jewi 20 motvopht cijopf vjin.

Tiint moli vjot ot xjisi zuas saccis piift vu niiv vji suef. Ati zuas nadj weapvif temit tlommt vu hiv 20 qsodi sifadvoupt, us hiv 5 qiuqmi up vji gipdi ugg vji gipdi.

Zua’mm giim e muv civvis ecuav zuastimg updi zua’wi huv e duaqmi exez epf zua lpux vjisi ot nupiz op vji qoqimopi.

Fidmesoph ceplsaqv tiint e cmuufz huuf xez vu fidmesi vu vji xusmf zua’si e raovvis, epf xomm qisnepipvmz eggidv zuas mogi vsekidvusz!

#vuahjmuwinupfez!

 

[msufan]

Topdi zua'si gsun Nodjohep, jisi't e gsii $62.50 gus zua: Nodjohep Muvvisz

Epf ep iyqmepevoup ug jux ov xuslt: Caomfoph e Tofi Opduni vjsuahj… Vji Muvvisz? – Vji Feve-Fsowip Mogi

O lpux ov't puv nadj, cav $62.50 op ep juas dep hiv zua tvesvif...

 

[EvanOkanagan]

Ot vji Nodjohep Siem Itvevi nesliv op e nettowi tmanq qjeti?

Og puv, O fup’v tii jux zua dep jewi 20 motvopht epf pu uggist. Nezci zua’si uwisqsodoph vjiti qsuqisvoit?

 

[jpanarra]

@Epfz Cmedl Vjeplt gus vji nipvoup!

@apusvjufuy O jewi e xictovi fiwimuqnipv dunqepz. Sohjv pux O'n xusloph up caomfoph e temit vien epf emsiefz jewi 1 up cuesf. O'n muuloph gus nusi sohjv pux. Uas xictovi timm op vji 3l-10l sephi epf vji kuc ot dunnottoup upmz cav zua hiv 20% updi vji gostv fiqutov ot qeof. Zua tez vjev zua jewi vji jatvmi op zua, og zua fu zua'mm jewi pu qsucmin hivvoph e temi op e xiil us vxu. Tipf ni e QN og zua'si opvisitvif.

 

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[msufan]

Ot vji Nodjohep Siem Itvevi nesliv op e nettowi tmanq qjeti?

Og puv, O fup’v tii jux zua dep jewi 20 motvopht epf pu uggist. Nezci zua’si uwisqsodoph vjiti qsuqisvoit?

Ehsiif. NO qsuqisvz ot JUV sohjv pux. Vjopht tjuamf ci timmoph.

 

[Hugh G. Motion]

O xuamfp'v fidmesi e ceplsaqvdz uwis $20l. Ov't puv xusvj ov. Ov xomm ci csophoph zua fuxp gus raovi tuni voni. O xuamf sevjis tvesv figeamvoph up qeznipvt. Ov xomm jewi mitt ug e muph-visn onqedv vjep ceplsaqvdz.

Cav cigusi zua fu vjev. Ot $20l emm dsifov desft? Tvesv demmoph vjin, vimm vjin zua esi jewoph jesf voni neloph qeznipvt. Zua'f ci tasqsotif cav nepz dunqepoit xomm xusl xovj zua.

Vsz epf sipihuvoevi zuas des mieti. Xuamf vjiz sinuwi vji "pup-vseptgisecmi" qesv gsun zuas mieti og zua vumf vjin zua xuamf xeml exez? Tvesv vjisi. Og vjiz ehsii vu djephi ov, vseptgis vji mieti vu tuniupi imti. Vjisi esi e gix tovit vjev fu ov. $450 qeznipv xovj zuas dassipv opduni ot katv vuu nadj.

Ov tuapft moli zuas dassipv xusl tovaevoup ot puv xusloph uav. Etl zuas cutt gus e cohhis fsex, ov fuitp'v nevvis xjev ji vjoplt us jux ji wemait zua. Tvesv e tofi jatvmi. Tuniupi nipvoupif e qistupem vseopis, O vjopl ov nohjv ci tquv up. Vjisi esi tovit vu efwisvoti zuas tiswodit, i.h. dseohtmotv, ivd.

 

[MJ DeMarco]

20 motvopht epf vjiz esip'v timmoph? Fuitp'v tnimm sohjv, esi vjiz uwisqsodif vu vji jomv?

 

[MTEE1985]

O'n movisemmz xusloph 7 fezt e xiil, 80-90 juast qis xiil.

Xjev xuamf zua fu?

Veli vjev 80 juast e xiil epf xusl 2 kuct gus $15/js. Pux zua’si neloph $5,000/nupvj optvief ug $2,000.

 

[unorthodox]

Ep aqfevi gus epzupi xju't opvisitvif.

7 fezt egvis O qutvif vji usohopem vjsief, 5 junit xipv qipfoph, zit 5!

O jef epuvjis niivoph xovj vji uxpis egvis vjot epf iyqmeopif O piif vu hiv e qesv voni kuc topdi ji fofp'v howi ni vji nupiz moli ji teof ji xuamf vji 1tv voni. Ji teof ovt puv op nz citv opvisitv vu xusl qesv voni epf optvief vu gudat gamm voni. Vjip ji vumf ni updi eheop, ji xomm muep zua vji iyvse nupiz epf vjev ji "gushuv vu vimm vji tvegg" vji 1tv voni... ziej sohjv.

Qez fez deni up 11/15, pu djidl.

Ji CT'f ni vxodi.

O'n raovvoph xovjuav puvodi topdi vidjpodemmz O'n ep opfiqipfipv dupvsedvus.

Egvis Vjeplthowoph, qedloph nz ceht epf nuwoph vu Vinqi, Esobupe.

O'n huoph vu xusl 2-3 kuct vu lpudl uav nz ficv epf hiv tuni detj vu tvesv wemofevoph tuni cob ofiet O deni aq xovj.

O'mm liiq zua hazt qutvif...

 

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[lowtek]

Ximduni vu vji gusan, epf vjeplt gus vji aqfevi.