The spiritual coach was wild. When he told her how much tax she would have to pay on her income you could tell she had never even considered it. And the car...she said she had a $30k loan for a 2020 Rav 4 she bought four months ago and I thought, "Well, that's not exactly the cheapest car you could buy, but it's not too bad." Then she goes on to explain there was a $15k down payment so she actually paid $45k for a two year old Rav 4....ouch.