Rachel Cruze

So I just graduated in May from college, and my student loan payments will start up in January.

It's $22,000 in debt, and then I also have $2,500 in credit card debt.

So my question with the loans is they all have different interest rates, subsidized versus unsubsidized, and just the best way to go about paying those effectively.

Monthly, I'm bringing in about $5,000.

Christmas is my date.

Hi, Dave.

Thank you for taking my call.

So just a tiny back story is when I was dating my husband, who I've now been married to for 15 years.

His mother used to tell me that she was running out of money, that they were going to be poor soon because she was a trust fund child and they were going to run out of money.

So before my husband and I got married, I asked him, you know, what does this mean for us?

And he said nothing.

My parents are going to take care of their finances themselves.

They're going to handle it.

This will not impact us, which I should have known was not true.

Fast forward 15 years, his parents are out of money.

They own their home outright.

It's a small property, probably worth $500,000.

And then they also have another small piece of land in the mountains with a cabin on it that's just a shell of a building, probably worth $80,000.

Wow.

But they do not receive enough income to live.