Caller

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.

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.

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.

You do have the house paid off and you have built up that nest egg to where When this term runs out in 15 years, you don't have to re-up it because that's when you could run into issues, you know, trying to get covered if you do have some pre-existing conditions. So that's kind of why I had you unpeel that onion a little bit, but...

You do have the house paid off and you have built up that nest egg to where When this term runs out in 15 years, you don't have to re-up it because that's when you could run into issues, you know, trying to get covered if you do have some pre-existing conditions. So that's kind of why I had you unpeel that onion a little bit, but...

You do have the house paid off and you have built up that nest egg to where When this term runs out in 15 years, you don't have to re-up it because that's when you could run into issues, you know, trying to get covered if you do have some pre-existing conditions. So that's kind of why I had you unpeel that onion a little bit, but...

Jennifer, Ken, I have a – my spidey sense is going off. And I have a sense. Jennifer.

Jennifer, Ken, I have a – my spidey sense is going off. And I have a sense. Jennifer.

Jennifer, Ken, I have a – my spidey sense is going off. And I have a sense. Jennifer.

Are you – Candy Crush?

Are you – Candy Crush?

Are you – Candy Crush?

No, I do not have any games. I am so busy. I actually run two businesses. I'm busy. I'm hammering this stuff out. And I'm just tired. I'm sick and tired of being sick and tired. And I keep going, okay, we got this. We're doing this again. We're doing more. We're doing that. And I'm like... okay, I'm only going to do this this last time. I'm done. I'm going to be smarter.