$500 dollars !!!!!!!!!!
Your living in the richest nation on earth, surounded with wealth, fine homes,cars driving up and down your nearest main road that cost $35000.00+, and even after seeing all these objects od HIGH EARNINGS the lights not gone on in your brain. You must have f up your education, said no to schools and better learning, maybe you can't read, can't keep simple money accounts now your in debt. And to make it worse you live in Baltimore one of the highest income states. Take a job, and save 1/8 OF your earnings, in 5 years your a rich man.
When did you last work or save.