Dave Ramsey

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.

And that's what I think.

And that's okay.

That's not the end of the world.

Don't go in any more debt, okay?

I want to turn off these student loans.

No more.

No more student loans.

Can you finish school with no more student loans?

You make $30,000 a year now.

You'll be making $130,000 in 24 to 36 months.

And you knock this debt out, and then you start saving for college, and you work right up the baby steps the way we teach.

But today, you don't have extra cash laying around to do either.

And so the first thing is take care of your own household.

Don't add any more debt.

And then if you can scratch together a little bit more, both of you working some extra jobs or something, and you want to throw something at the 90%,

It doesn't make me mad, but I'm just not going to put heavy expectations on you because, again, you have a $90,000 hole and a small income.

That's your shovel.