Dave Ramsey

So clean her up, dude.

That's the thing.

So we're going to send you every dollar budgeting app, premium version that we're going to pay for and give it to you as a baby gift.

So you and your wife sit down tonight and you look at that app and you lay out exactly where every dollar is going and you say, all right, the 401k is stopping, the pickup is leaving, and now we're going to attack the $11,000 in credit card debt.

And beans and rice, rice and beans.

And she needs to work as much as she can without putting herself or the child in danger because we need money.

And let's talk about that because, you know, this has been all angled at you, Dustin, but this really is you and your wife joining arms together and doing this together.

So rather than you getting off the phone and, you know, putting on your cape and doing this, you're going to have to have a conversation with her and make sure that she's on the same page and agrees with this strategy and agrees with the intensity and agrees that this is what needs to happen next.

That's a big part of this.

Paula is in Dallas.

Hey, Paula, what's up?

You need to get rid of it.

Every day you own it, it's going down in value.

So the point of that is this is going to feel bad.

It's not going to feel good.

You're going to feel the weight of the mistake when you look at the appraisal and see what it's actually worth.

But Dave is exactly right.

Waiting is not going to solve the problem.

Waiting is going to make it more painful.

Neat.