George Kamel

You don't need to be involved.

It's up to them to figure it out, and then your husband comes back to you to go, hey, what do you think about this situation?

We all pitch in $200 a month for the next 12 months, and then we see where we're at and reevaluate.

Okay.

How much can you throw at your debt every month after all of your bills are paid?

So your bills are costing you about over $7,000 right now per month?

You're about to find out that you can live on way less and carve out way more margin.

Because here's why I was asking.

If you can throw, let's say, $2,000 a month of the debt, you're done in two years, right?

If you can throw more at it, you're done even faster.

And so what I'm trying to do is get you guys debt free as soon as possible with an emergency fund.

Not that you have to wait for that to have the next baby.

But if you're saying, hey, my goal is to stay home potentially.

Well, if you can't make the current income work, how are we going to make less income work?

Right.

So we've got to figure this out.

If it's true that you really want to have this kid, if that's the priority, then we need to make sacrifices to make that a reality.

So there's another sacrifice is we need to change where we live if we want to make this a reality.

So that's where I go.

You can go to a fake budget tonight just using his income just to see where things would fall.