Matt Clark

Normal is broke and common sense is weird.

So we're here to help you transform your life.

From the Ramsey Network in the Fairwinds Credit Union studio, this is The Ramsey Show.

I'm George Campbell, joined by my pal and co-host of Smart Money Happy Hour, Rachel Cruz.

And we're taking your calls at 888-825-5225.

Naya is going to kick us off in Cleveland, Ohio.

Naya, did I get that right or is it Naya?

All right, we're off to a great start.

Naya, how can we help today?

Awesome.

Well, you guys are doing great.

I want to encourage you.

Everything you've laid out, I'm like, they are crushing it.

And I'm glad the book just kind of gave you a little pause to go, hey, we're going to be broke if we just jump into a house with close to nothing down and nothing in savings.

So you're right that we got to get through this wedding first.

Then we'll see what's left money wise.

Make sure we get the emergency fund.

Then anything beyond that becomes our down payment savings plan.

Well, as far as home buying?

I mean, there's a lot.