Rachel Cruze

And out of the 120, how much is hers?

Okay, so it's almost half of it. And how much is the mortgage payment a month?

Okay, so it's almost half of it. And how much is the mortgage payment a month?

Okay, so it's almost half of it. And how much is the mortgage payment a month?

And you guys bring home what? A month?

And you guys bring home what? A month?

And you guys bring home what? A month?

You don't realize the lifestyle creep that really does occur. And as you go through and see exactly where is my money going? Mel Robbins actually had a video about this on Instagram. She was like, I remember printing out my entire bank statement. I was highlighting all the crap that I thought that I didn't need. And she was like, and I might that was full of like a highlighter.

You don't realize the lifestyle creep that really does occur. And as you go through and see exactly where is my money going? Mel Robbins actually had a video about this on Instagram. She was like, I remember printing out my entire bank statement. I was highlighting all the crap that I thought that I didn't need. And she was like, and I might that was full of like a highlighter.

You don't realize the lifestyle creep that really does occur. And as you go through and see exactly where is my money going? Mel Robbins actually had a video about this on Instagram. She was like, I remember printing out my entire bank statement. I was highlighting all the crap that I thought that I didn't need. And she was like, and I might that was full of like a highlighter.

Like, what could I cut? What do I need to cut? So it's that kind of mentality, John, from an expense standpoint that you guys really can. And honestly, what's great, and I always get encouraged when you are motivated to do this. I mean, for you guys, it's $130,000. We'll just pretend $130,000 of debt. Pretend the cars are gone just for fun. That's $100,000. You guys are at $120,000.

Like, what could I cut? What do I need to cut? So it's that kind of mentality, John, from an expense standpoint that you guys really can. And honestly, what's great, and I always get encouraged when you are motivated to do this. I mean, for you guys, it's $130,000. We'll just pretend $130,000 of debt. Pretend the cars are gone just for fun. That's $100,000. You guys are at $120,000.

Like, what could I cut? What do I need to cut? So it's that kind of mentality, John, from an expense standpoint that you guys really can. And honestly, what's great, and I always get encouraged when you are motivated to do this. I mean, for you guys, it's $130,000. We'll just pretend $130,000 of debt. Pretend the cars are gone just for fun. That's $100,000. You guys are at $120,000.

You're bringing home probably closer to $100,000, $90,000 to $100,000. And if you earned extra, John, even $1,000 a month, you guys could be out of this in like two years. So it's really not... It's not like you guys are going to be in this for seven to eight years, but you have to be really dedicated to do some really intense sacrifices from the lifestyle standpoint and earning some extra income.

You're bringing home probably closer to $100,000, $90,000 to $100,000. And if you earned extra, John, even $1,000 a month, you guys could be out of this in like two years. So it's really not... It's not like you guys are going to be in this for seven to eight years, but you have to be really dedicated to do some really intense sacrifices from the lifestyle standpoint and earning some extra income.

You're bringing home probably closer to $100,000, $90,000 to $100,000. And if you earned extra, John, even $1,000 a month, you guys could be out of this in like two years. So it's really not... It's not like you guys are going to be in this for seven to eight years, but you have to be really dedicated to do some really intense sacrifices from the lifestyle standpoint and earning some extra income.

And for you, especially between now and October, because that's going to be the sweet spot. When the baby comes, it gets much harder. and from all aspects to do this debt-free journey. But families do it all the time. People have babies during their debt payoff process. But you guys stock away a ton of cash. John, I would be working extra, doing what you can.

And for you, especially between now and October, because that's going to be the sweet spot. When the baby comes, it gets much harder. and from all aspects to do this debt-free journey. But families do it all the time. People have babies during their debt payoff process. But you guys stock away a ton of cash. John, I would be working extra, doing what you can.

And for you, especially between now and October, because that's going to be the sweet spot. When the baby comes, it gets much harder. and from all aspects to do this debt-free journey. But families do it all the time. People have babies during their debt payoff process. But you guys stock away a ton of cash. John, I would be working extra, doing what you can.

And then map out a plan and write these debts out with your wife. Look at your budget and just say, how much extra can we throw at this debt and how fast is it for us to get out? Because I think you guys can do this in two and two and a half years.