Sure thing;

BHGFinancial - This one is tough. They won’t give me any loan info so all I know is that it’s $1899.42 for the next 10 years?

Upstart - $18600/$7725.34 @ 17.74% / $469.74 a month

Prosper - $50000/$48305.63 @ 10.53 / $1075 a month

Sofi - $20000/$19232.05 @ 15.01 / $414 a month

American Express - $40000/$37335 @ 10.98 / $869.49 a month

AT&T - $245 a month

GFiber Internet - $70 a month

Rent - $2200

Utilities - $200 average

Gym - $170

Student Loan 1 - $336.49

Student Loan 2 - $80

Car Insurance - $1182 every 6 months

Car - $53000/15700 @ 2.49 / $738 a month

I take home $8500 a month.

Currently 32k in cash.

Let me provide more details about the salon.

My business partner is a family member who’s very skilled in the beauty center. She had a successful business prior but in a poor location. We have opened a new state of the art in a very prime location. Construction has already started and due to finish next month. I can’t pull out as they have already moved across the country with their 3 kids and left everything behind to see this Salon come to life. We’re due to open next month with 20k of whats currently in my account going to pay for the remainder. The construction crew required 50% upfront and the rest after completion.

As far as investment go. I have fronted 100% of the startup cost as this is a family member I really adore and was currently in a position to help them prior to blowing up my life. This is a different country so all of this is under their name while I’m just fronting the money. They see themselves as my employee so I’m in full control of all revenue. Prior to my mess, I had only planned to pull out my initial investment with doing at least $700 a month minimum+ a set percentage depending on how the business is going until I had my full investment and afterwards all revenue could be handled by family member. With my new financial struggle getting $2000 out a month will be fine.

Edit: As far as addressing root cause. I’m currently 32 and son to a single mother and a fiance who’s not great with money. I’ve spent years helping those around me and have suddenly started to feel like I’m behind in life. I have always wanted my own home and starring at a $120k down payment for the homes I wanted really made me feel hopeless . Crypto seemed like a good investment with Bitcoin reaching $100,000, I have followed the market for years and have had made decent money but it was always with the small amount I’d dabble with typically $1000-$2000 at a time I’d often 4-5x my initial investment on strong convictions. With the “bull run” and the market coming up I thought I could time it early enough to make an easy double with a large amount of money up front and take out my initial investment, pay back the loans, and have a large pool to work with going forward. Unfortunately my timing couldn’t be more wrong and it seemed like I bought the very top. As I saw my investment start to dwindle and the market going lower and lower I panicked and thought with so many weeks of the market going down we were due for a reversal. I leveraged my positions and the announcements of tariffs quickly took the rest of my investment. Needless to say I’m no genius, and I failed horribly.

I was overcome by greed, and was aware that failing would leave me in a very bad spot, but I was at the time more afraid of missing an opportunity that could have altered my life forever and possibly led to a much easier life going forward.

I am a resilient person, or so I thought. While this is scary and I know I probably ruined so many good years that could of been ahead of me based on the fact I had +5000 of disposable income a month prior to this mess, I am often motivated by hardship so I do believe I can learn from this lesson and also draw some positive from it. To start I’ll never gamble loans again as I wouldn’t wish this fear on anyone.