Dave Ramsey

Or you're not making much.

That's a better way of saying it, right?

Right.

You guys haven't got a lot.

It's not like you're buying coach purses on the weekend, okay?

I mean, you don't have any money.

$2,800 and a family of three and you're in school.

How are you paying for school?

And when do you finish school?

I don't think you're going to get out of debt until you get your income up.

But the good news is you have plans to get both of you to get your income up.

I mean, his income is going to double when he gets his welding certificate or more, depending on what he's doing.

And then you're going to get out in 18 months and make money, and then you guys are going to plow through this.

But right now you're making $34,000 a year, and you have a little baby.

So you're probably not going to make big dents in this $90,000.

Is that fair?

But I would work.

I mean, you can work, and he can work, and you can do side jobs, and let's do what we can to bring in extra money because you don't have much money coming in.

You have a big hole and a very small shovel right now.

I'm looking forward to the day that your shovel is bigger in order to fill up this hole.