Caller

graduate until four more years. So the college is good. Um, we have a hundred, roughly $150,000 left on our house. Um, I just sold my navigator. Good. I got rid of that. Um, What else is left of the debt? Yeah, we make about $150,000 a year. My husband works for the state. So between us both, we make about $150,000 take home. And how much debt do you have left in Baby Step 2?

We have $78,000 left.

We have $78,000 left.

We have $78,000 left.

And what kind of debt is that? Which is supposed to be paid off.

And what kind of debt is that? Which is supposed to be paid off.

And what kind of debt is that? Which is supposed to be paid off.

Oh, my God, it's so embarrassing. A mattress loan that will be paid off this week, actually. A trip that we paid for for the school, you know, like this world classroom thing that we've been paying on for two years. But we just made the final payment on that. Credit card debt. And that's basically just credit card debt.

Oh, my God, it's so embarrassing. A mattress loan that will be paid off this week, actually. A trip that we paid for for the school, you know, like this world classroom thing that we've been paying on for two years. But we just made the final payment on that. Credit card debt. And that's basically just credit card debt.

Oh, my God, it's so embarrassing. A mattress loan that will be paid off this week, actually. A trip that we paid for for the school, you know, like this world classroom thing that we've been paying on for two years. But we just made the final payment on that. Credit card debt. And that's basically just credit card debt.

Have you cut up the credit cards, Jennifer? No.

Have you cut up the credit cards, Jennifer? No.

Have you cut up the credit cards, Jennifer? No.

Oh, yeah. Yeah, they're done. They're done. Yep. And we got the budget thing two months ago. Boy, that's a tough one. We keep changing that and changing it. I'm like, oh, my God, I just want to get on top of everything. And the apps on the phone are driving me crazy. What do you mean? I want to flip phone again.

Oh, yeah. Yeah, they're done. They're done. Yep. And we got the budget thing two months ago. Boy, that's a tough one. We keep changing that and changing it. I'm like, oh, my God, I just want to get on top of everything. And the apps on the phone are driving me crazy. What do you mean? I want to flip phone again.

Oh, yeah. Yeah, they're done. They're done. Yep. And we got the budget thing two months ago. Boy, that's a tough one. We keep changing that and changing it. I'm like, oh, my God, I just want to get on top of everything. And the apps on the phone are driving me crazy. What do you mean? I want to flip phone again.

Because of all the apps and the different things that come out of our account for different things.

Because of all the apps and the different things that come out of our account for different things.

Because of all the apps and the different things that come out of our account for different things.

Okay. It sounds like you need to simplify. Listen, for somebody who's on baby step two, it is all about cutting down that budget. And what I'm getting towards, the reason I asked you that is because, yeah, I want you to get to the point to where you are entering into retirement age here in the next 15 years. And you want to be in a place where you are debt free.