Rachel Cruze

It's good.

Oh, okay.

May have just been a fluke at the time.

But more often than not, but we do, I mean, I feel like we've gotten that question a good bit with the IRS debt.

And the answer is to anyone out there, if you have...

a large amount enough that you have to put on a payment plan that you can't pay off in 30 to 60 days.

No.

Yeah.

After pay.

Don't do after pay with the IRS.

Yeah, John, but I really do hope for you guys that y'all can get into a high income situation, knock this debt out, and then you can, yeah, spend the rest of your life with that degree that she has and use it, you know, for good and where she wants to, to have the freedom to do that.

It's just hard to have that freedom when you have $300,000 of consumer debt.

And would that be a problem when they go to buy a house?

Is that hard for them to agree to?

Yeah.

I didn't know if they did or not.

Oh, wow.

Hey, how are you?

So I'm basically contemplating if it's a good decision to go back to school and accrue about $65,000 to $80,000 worth of debt.

Now, I would be going back part-time, so I'd be remaining a full-time worker during this.