Christina Ellis

But when you're in baby step two, you are laser focused on paying off your debt.

Hey, it's James, producer of The Ramsey Show.

Do you have more money sitting around somewhere else?

Yeah, that's so interesting, and I think it is that point that you made that it's not really secure money.

It's not like a guaranteed 8% or 6% because that's probably not the most reliable buyer.

There are better ways to build your money.

Yeah, that sounds very sketchy and not like financial peace.

That's good.

That's powerful.

Those conversations are hard.

But I mean, I think that you towed a very good balanced line.

I think people have to have the conversations.

And I mean, in that situation, like the mom is probably convinced herself that she is right.

And I think it's going to take one of those very straightforward conversations.

Two before.

But you got to be straightforward with it.

So I'm curious, you're in the midst of, you know, half the house is not warm.

Like you don't have an HVAC.

You're sitting in all of this stress and financial anxiety.

How did you find us?