Rachel Cruze
๐ค SpeakerAppearances Over Time
Podcast Appearances
But we always say when you are expecting, just actually pause paying off debt, but with the same intensity, be saving. So the goal would be to have a pile of money. And then when baby comes, which I guess you guys would be due, what, February?
But we always say when you are expecting, just actually pause paying off debt, but with the same intensity, be saving. So the goal would be to have a pile of money. And then when baby comes, which I guess you guys would be due, what, February?
But we always say when you are expecting, just actually pause paying off debt, but with the same intensity, be saving. So the goal would be to have a pile of money. And then when baby comes, which I guess you guys would be due, what, February?
Oh, so soon. Oh, I'm sorry. I thought you guys just found out. No, it's been a couple months. Oh, gotcha. So just between now and October, just stash some money away. But create a plan as if you are paying off debt. And then once mom and baby are home and everyone's good and healthy, then take what you had saved and throw it at the debt.
Oh, so soon. Oh, I'm sorry. I thought you guys just found out. No, it's been a couple months. Oh, gotcha. So just between now and October, just stash some money away. But create a plan as if you are paying off debt. And then once mom and baby are home and everyone's good and healthy, then take what you had saved and throw it at the debt.
Oh, so soon. Oh, I'm sorry. I thought you guys just found out. No, it's been a couple months. Oh, gotcha. So just between now and October, just stash some money away. But create a plan as if you are paying off debt. And then once mom and baby are home and everyone's good and healthy, then take what you had saved and throw it at the debt.
But what I'm seeing here, and it would be up to you guys, John, because as you guys kind of work through and kind of figure out... You and your wife will sit down and just say, OK, how much extra money could we earn? What could we cut out of the budget? You know, we earn, you know, 120. That's pre-tax. So what we actually bring home is, you know, around probably one hundred.
But what I'm seeing here, and it would be up to you guys, John, because as you guys kind of work through and kind of figure out... You and your wife will sit down and just say, OK, how much extra money could we earn? What could we cut out of the budget? You know, we earn, you know, 120. That's pre-tax. So what we actually bring home is, you know, around probably one hundred.
But what I'm seeing here, and it would be up to you guys, John, because as you guys kind of work through and kind of figure out... You and your wife will sit down and just say, OK, how much extra money could we earn? What could we cut out of the budget? You know, we earn, you know, 120. That's pre-tax. So what we actually bring home is, you know, around probably one hundred.
And what if we tried to live on 75 and we, you know, we threw 35 this year and we made extra like you guys can sit there and kind of formulate, you know. Make up different scenarios of how you can get out of this debt faster. And then whenever you do that, I think it's always interesting. Cars is like the number one place where you can sell and get ahead.
And what if we tried to live on 75 and we, you know, we threw 35 this year and we made extra like you guys can sit there and kind of formulate, you know. Make up different scenarios of how you can get out of this debt faster. And then whenever you do that, I think it's always interesting. Cars is like the number one place where you can sell and get ahead.
And what if we tried to live on 75 and we, you know, we threw 35 this year and we made extra like you guys can sit there and kind of formulate, you know. Make up different scenarios of how you can get out of this debt faster. And then whenever you do that, I think it's always interesting. Cars is like the number one place where you can sell and get ahead.
So I would see, okay, how many hours extra will I have to be working? Or how much longer will we have to cut lifestyle in order to keep this $30,000 of debt? Versus you guys possibly selling both cars, I'm just saying as an example. Yeah. You have around $3,000 each. You have 15,000 saved. So what if you threw an extra $3,000 at each and you went and got a $6,000, $7,000 car each?
So I would see, okay, how many hours extra will I have to be working? Or how much longer will we have to cut lifestyle in order to keep this $30,000 of debt? Versus you guys possibly selling both cars, I'm just saying as an example. Yeah. You have around $3,000 each. You have 15,000 saved. So what if you threw an extra $3,000 at each and you went and got a $6,000, $7,000 car each?
So I would see, okay, how many hours extra will I have to be working? Or how much longer will we have to cut lifestyle in order to keep this $30,000 of debt? Versus you guys possibly selling both cars, I'm just saying as an example. Yeah. You have around $3,000 each. You have 15,000 saved. So what if you threw an extra $3,000 at each and you went and got a $6,000, $7,000 car each?
Then that takes $30,000, John, off the table of debt and frees up to Jade's point almost $850 a month extra now to continue to pay off debt that much faster. So it's kind of just a trade-off of time, energy, money. But whenever I see the cars... It's always where I go where I'm like, man, you can just jump so far and get out of debt that much faster with these assets.
Then that takes $30,000, John, off the table of debt and frees up to Jade's point almost $850 a month extra now to continue to pay off debt that much faster. So it's kind of just a trade-off of time, energy, money. But whenever I see the cars... It's always where I go where I'm like, man, you can just jump so far and get out of debt that much faster with these assets.
Then that takes $30,000, John, off the table of debt and frees up to Jade's point almost $850 a month extra now to continue to pay off debt that much faster. So it's kind of just a trade-off of time, energy, money. But whenever I see the cars... It's always where I go where I'm like, man, you can just jump so far and get out of debt that much faster with these assets.
And out of the 120, how much is hers?
And out of the 120, how much is hers?