Ken Coleman

Correct?

Yeah.

Okay.

Yeah.

So I think one thing that could alleviate this immediately, you're asking the best way to pay this off.

Yes, you should use your savings except $1,000.

That's the baby steps.

Baby step one, $1,000.

Baby step two, attack the debt using the debt snowball.

So anything that's not the $1,000 starter emergency fund, we're going to use to start knocking down this debt because that'll knock out...

your credit cards, and a good portion of one of the student loans.

Yeah.

And if I'm in your shoes and you really want to get out of the situation, I would just sell this 4Runner.

Now, you might be underwater on it, which is what Ken was angling at.

So that's your next homework assignment is figure out what you could sell this car for, private party value.

So you can go to kbb.com and look at that to see, hey, if we could sell it for $40,000 and we owe $44,000, great.

We're going to use $4,000 of the savings to clear the title and maybe use some of the other money in savings to get a different car, right?

You need something to drive around in?

Mm-hmm.

You're both working full-time?