The Amarillo, Texas, resident, who is now 31 years old, had just about scraped by during the previous month's holiday shopping period.
In her statement to CNBC Make It, she says, "I just remember wondering how I was going to make it through the next month."
Taylor was making ends meet by delivering prescriptions for pharmacies and food for DoorDash.
She had recently lost her full-time job and was now reliant on her side hustles.
She had credit card debt of $9,000, $9,000 in medical debt, and about $60,000 in student debt.
That implies that you begin your budget with the amount of your paycheck and allocate every dollar down to zero.
Taylor wanted to make the most of the large audience she had amassed after her early videos went viral.