Dave Ramsey

Okay.

Well, the formula that we have to work with is income minus outgo.

Your income is low because you're not working and he's not working much.

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.