Dave Ramsey

You might have taken a lateral step because you cleared off all this $105,000 worth of miscellaneous crap debt.

Now, it is incumbent upon you if you do this that you make it work on a budget, no debt ever.

And I don't want to hear any excuses about, oh, life is tough and I went into debt.

You'll screw this whole thing up if you do that.

And you got the other money in your hand to clear off all the debt.

Now you've got no debt except whatever you do for housing.

And I would just view the housing, this is not a 10-year decision.

This is a two-year decision.

And it's perfectly okay to rent for a short period of time, like two years or three years, while you're figuring out what life's going to look like.

But at some point, I'm guessing that your wife will plug back into some kind of, she'll produce some kind of revenue.

Could be work from home.

It could be a lot of different things.

But it's not for now.

For now, we're going to take care of our baby.

Yeah, I would do it.

And it's emotional.

But here's what I'm guarding against.

I'm trying to use certain language with you because I want you to guard against this.

This is not a tornado didn't hit your house.

This is a decision to sell one asset to clear the debts, and it's not a permanent decision.