Robert

Um, but I am trying to, you know, we, we make decent income, so we have enough, we have a little bit of margin. So I'm starting obviously baby step two, um, trying to get going on that. But the thing that kills me is I understand the concept of the smallest, the largest, but the problem is almost all of our small debts are all 0%. And we have large debts that are 28%.

Um, but I am trying to, you know, we, we make decent income, so we have enough, we have a little bit of margin. So I'm starting obviously baby step two, um, trying to get going on that. But the thing that kills me is I understand the concept of the smallest, the largest, but the problem is almost all of our small debts are all 0%. And we have large debts that are 28%.

Um, but I am trying to, you know, we, we make decent income, so we have enough, we have a little bit of margin. So I'm starting obviously baby step two, um, trying to get going on that. But the thing that kills me is I understand the concept of the smallest, the largest, but the problem is almost all of our small debts are all 0%. And we have large debts that are 28%.

And it drives me nuts that I'm going to spend 12 months paying off $15,000, $20,000 worth of 0% while the 30% is accruing $1,000 a month in interest. And I was thinking, you know, we can take a HELOC, cut that rate by 70%. It adds another $800 to $1,000 that we can roll into the snowball and get done, you know, eight months to a year faster.

And it drives me nuts that I'm going to spend 12 months paying off $15,000, $20,000 worth of 0% while the 30% is accruing $1,000 a month in interest. And I was thinking, you know, we can take a HELOC, cut that rate by 70%. It adds another $800 to $1,000 that we can roll into the snowball and get done, you know, eight months to a year faster.

And it drives me nuts that I'm going to spend 12 months paying off $15,000, $20,000 worth of 0% while the 30% is accruing $1,000 a month in interest. And I was thinking, you know, we can take a HELOC, cut that rate by 70%. It adds another $800 to $1,000 that we can roll into the snowball and get done, you know, eight months to a year faster.

I recently sold my video game collection for like $5,000. Hey, that's a start. But that was painful.

I recently sold my video game collection for like $5,000. Hey, that's a start. But that was painful.

I recently sold my video game collection for like $5,000. Hey, that's a start. But that was painful.

Yeah, I'm looking at getting another job to try and bring in some more income to tackle this.

Yeah, I'm looking at getting another job to try and bring in some more income to tackle this.

Yeah, I'm looking at getting another job to try and bring in some more income to tackle this.

She's there. She is in the other room.

She's there. She is in the other room.

She's there. She is in the other room.

She's in the other room.

She's in the other room.

She's in the other room.

Yes. She's actually volunteered to get a second job as well. But she did that before with her ex-husband who had no ambition at all. So I don't really want her to have to do that again.

Yes. She's actually volunteered to get a second job as well. But she did that before with her ex-husband who had no ambition at all. So I don't really want her to have to do that again.